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The staff and growth desk

Staff and growth: employing, buying and expanding in NZ

What an employee really costs once KiwiSaver, ACC and holidays are counted, how PAYE runs, and the numbers behind buying a business or a growth plan.

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Lead story

The true cost of an employee in New Zealand

What an employee really costs a New Zealand business: wages, KiwiSaver, ESCT, ACC, holidays, sick leave, equipment and recruitment, with a worked example.

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  1. 02 The 2026 minimum wage: what $23.95 an hour costs an employerNew Zealand's minimum wage from 1 April 2026: adult $23.95, starting-out and training $19.16. What the change really costs employers and how to plan for it.
  2. 03 KiwiSaver employer contributions: 3.5% now, 4% from 2028KiwiSaver employer contributions in New Zealand: 3.5% since 1 April 2026, 4% from 2028, ESCT, 16 and 17-year-olds, rate reductions and budgeting.
  3. 04 PAYE and payday filing: what's due, when, and how to fund itPAYE and payday filing for New Zealand employers: filing within 2 working days, paying by the 20th, large employer dates, what's included, and cash planning.
  4. 05 Holiday pay basics: annual leave, public holidays and the money behind themHoliday pay for New Zealand employers: four weeks' annual holidays, the greater-of rule, pay-as-you-go at 8%, public holidays, sick leave and leave liability.
  5. 06 Buying a business in New Zealand: the money side, step by stepBuying a business in New Zealand: due diligence, the sale agreement, GST on a going concern, price allocation, working capital and funding the purchase.
  6. 07 Funding a growth plan: when borrowing makes sense, and how muchHow New Zealand owners can fund growth: testing the plan, sizing working capital, matching funding to purpose, Investment Boost, and when to borrow.

Numbers done? Let's talk about funding them

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