NZ Study Cost Calculator
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Work up to 25 hours a week while you study at New Zealand's universities, and if you qualify, stay up to 3 years on a Post-Study Work Visa. Rules last checked against Immigration New Zealand on 6 November 2026.
No maximum age for student visas. Mature students welcome.
Applying from outside NZ, you can pay tuition after in-principle approval.
Only if you study at Level 9 to 10, or a listed Level 7 to 8 qualification.
Children of Post-Study Work Visa holders study as domestic students.
NZD $23.95 per hour from 1 April 2026.
Post-Study Work Visa up to 3 years for master's and doctoral graduates.
All 8 universities in New Zealand are ranked in the global top 3%, with strong international reputations.
QS 68 - Engineering, Medicine
QS 206 - Medicine, Sciences
QS 241 - Law, Humanities
QS 256 - Engineering
Agriculture, Veterinary
Business, IT
Agriculture, Environment
Design, Engineering
Te Pukenga institutes and private colleges popular among Indian students for practical, job-focused qualifications.
IT, Construction, Business
Engineering, IT, Trades
IT, Healthcare, Business
Engineering, Construction
Hospitality, Cookery, Business
IT, Business, Healthcare
Software, Cybersecurity
IT, Data Science, Networks
Engineering, IT, Health
Tourism, Health, Agriculture
Business, IT, Trades
Design, Engineering, Health
IT, Business, Construction
Engineering, IT, Hospitality
IT, Health, Education
Engineering, IT, Business
Engineering, Film, Health
The qualification level, and how long you studied, decide whether you get a Post-Study Work Visa and for how long.
| Level | Qualification | Duration | PSW |
|---|---|---|---|
| 10 | Doctoral (PhD) | 3-4 yrs | Up to 3 Yrs |
| 9 | Masters | 1-2 yrs | 3 Yrs |
| 8 | PG Diploma/Honours | 1 yr | Study time |
| 7 | Bachelor's | 3-4 yrs | Study time, max 3 Yrs |
| 7 | Graduate Diploma | 1 yr | From 16 Nov 2026, with a bachelor's, max 1 Yr |
| 6 | Diploma (L6) | 1-2 yrs | Eligible list only |
| 5 | Diploma (L5) | 1-2 yrs | Eligible list only |
| 4 | Certificate (L4) | 6mo-1 yr | Eligible list only |
Visa length no longer depends on Auckland versus regional study. A master's or doctorate studied full-time in NZ for 30+ weeks gets 3 years; Level 8 or lower gets a visa equal to study time. Non-degree Level 7 or lower qualifications qualify only if on INZ's eligible list, and the job must relate to your study. One Post-Study Work Visa per person. Fee from NZD 1,670.
A world-class education with excellent post-study opportunities and quality of life.
Work up to 25 hrs/week during term (up from 20 on 3 November 2025) and full-time in scheduled holidays, depending on visa conditions. Adult minimum wage is NZD $23.95/hr from 1 April 2026.
Up to 3 years. Master's and doctoral graduates (30+ weeks full-time in NZ) get 3 years; Level 8 or lower gets study time. A 6-month Short-Term Graduate Work Visa opens on 16 November 2026 for some graduates who do not qualify.
Residence through the Skilled Migrant Category or, for Green List roles, Straight to Residence or Work to Residence, subject to job, pay and experience rules.
A partner can get a work visa only if you study at Level 9 or 10, or a Level 7 or 8 qualification specified for a Green List role or on INZ's Post-Study Work Visa eligible list. Otherwise, visitor visa only.
Safe, beautiful country with friendly people. English-speaking with multicultural society.
Tuition typically NZD $22,000 to $50,000 a year depending on the course. Compare full tuition and living costs before choosing a destination.
Stay and work in New Zealand after completing your studies. Duration depends on qualification level and how long you studied. New rules start on 16 November 2026.
Master's (L9) or doctoral (L10) graduates who studied full-time in NZ for 30+ weeks. Any legal job, anywhere in NZ.
Bachelor's (L7) and Level 8 graduates get a visa equal to study time, up to 3 years. From 16 November 2026 a Level 7 graduate diploma qualifies only with a bachelor's, for up to 1 year.
Short-Term Graduate Work Visa from 16 November 2026: open work rights for Level 5 to 7 graduates (24+ weeks full-time in NZ) who do not qualify for a Post-Study Work Visa. NZD $5,000 funds needed; no partner support.
These occupations appear on INZ's Green List. Each role has its own tier, qualification or registration, and pay rules, and you need a job with an accredited employer that meets them.
Civil, mechanical, electrical, software and other engineers. Most engineering roles are Tier 1, with qualification rules.
Dental technicians appear on the Green List. Check the tier and registration rules for the role.
Construction Project Managers appear on the Green List. Check the qualification and experience rules.
Registered Early Childhood Teachers are on the Work to Residence list: 24 months of qualifying work in NZ first.
Registered nurses and midwives appear on the Green List. Check the tier and registration rules for each role.
Medical Laboratory Scientists and Technicians appear on the Green List. Check the tier and registration rules for each role.
What this means for you: A Green List job does not use the Skilled Migrant Category points test, but qualification is not automatic. You need an accredited employer, a permanent or 12+ month job (or contracts of 6+ months), and you must meet the role's qualification or registration and pay rules. Tier 2 roles need 24 months of qualifying work in NZ first. Some roles leave the Work to Residence list on 8 March 2027.
Key requirements for New Zealand student visa from India.
An offer of place from an approved education provider that signs the pastoral care code. A conditional offer is enough to apply from outside NZ, but approval needs an unconditional offer.
Tuition paid for one course or one year, whichever is shorter, plus NZD $20,000 per year for living costs (NZD $1,667 per month if study is under a year). Bank statements, scholarships, loan sanction letters and fixed deposits are accepted.
Your education provider sets the English requirement for your course. INZ does not make a test score mandatory for the student visa, but results can help show genuine intent to study.
Medical exam and chest X-ray only if INZ asks. Police certificates if you are 17 or older and will be in NZ 24 months or more. Full medical and travel insurance for your stay.
You must genuinely intend to study and follow your visa conditions. INZ may ask for more evidence, including about previous study and how you will fund later years.
Essential documents required for NZ student visa application from India.
Pro Tip: Start gathering documents now. Get all certificates in English. Use a professional translator for non-English documents. Keep digital copies as backup.
Earn while you learn with generous work rights.
The limit rose from 20 to 25 hours a week on 3 November 2025 for new student visas. If your visa still shows 20 hours, you need a variation of conditions (NZD $325) for the extra 5 hours. Full-time work in scheduled holidays depends on your visa conditions and a course of at least 120 credits. The minimum wage is NZD $23.95 per hour from 1 April 2026.
Estimated costs for international students in New Zealand (in NZD).
Get detailed expense breakdown
Here's how to calculate the total funds you need to show for your NZ student visa.
Funds can include: Bank statements, fixed deposits, an education loan with its sanction letter, a full or partial scholarship, or an acceptable sponsor with a completed Financial Undertaking for a Student form. INZ does not require money for later years upfront, but a credible plan to fund them strengthens the application.
Choose your ideal study destination in New Zealand.
Largest city, most jobs, multicultural
Capital, tech hub, creative industries
Garden city, engineering jobs, affordable
Student city, Otago Uni, low costs
Follow these steps to apply for New Zealand student visa from India.
Research courses on the NZQA website. Check provider rankings and course fees. Check whether the qualification leads to a Post-Study Work Visa.
2-4 WeeksTake an English test if your provider requires one. Check the score your course needs and book 2-3 months before the deadline.
4-6 WeeksSubmit application through university portal or agent. Include transcripts, SOP, references. Pay application fee.
4-8 WeeksAccept the offer and get your offer of place letter. Pay first-year tuition, or if applying from outside NZ, wait for in-principle approval.
1-2 WeeksSubmit the online visa application at Immigration NZ. Upload documents and pay the visa fee (from NZD $850). Book a medical exam only if INZ asks.
80% decided within 5 weeksReceive visa approval (eVisa). Book flights, arrange accommodation. Arrive 1-2 weeks before orientation.
Ready to Fly!After your studies, Skilled Migrant Category residence needs 6 points (Points-based pathway) or eligibility under one of two experience-based pathways added on 24 August 2026. The SMC wage threshold is NZD $35.00 per hour from 9 March 2026.
A recognised NZ registration earns points by the training or experience it requires, not by years you have worked.
NZ qualifications earn 1 point more than overseas ones. Level 8 and 9 qualifications also need a bachelor's degree.
Pay is measured against the NZD $35.00 SMC wage threshold. NZ skilled work experience adds 1 point (1 year), 2 points (1.5 years) or 3 points (2 years) to a lower score.
The Fee Paying Student Visa costs from NZD $850, and Immigration New Zealand states that 80% of applications are decided within 5 weeks. Additional costs may apply for medical examinations, and for police certificates and translations.
You need tuition paid for one course or one year of study (whichever is shorter), plus NZD $20,000 for each year of study for living costs (NZD $1,667 per month if study is shorter than a year). Funds can be shown through bank statements, education loans, scholarships or an acceptable sponsor.
Yes. Since 3 November 2025 new student visas allow up to 25 hours a week during term, and full-time work in scheduled holidays depending on your visa conditions. The adult minimum wage is NZD $23.95 per hour from 1 April 2026.
A Post-Study Work Visa lasts up to 3 years. Master's and doctoral graduates who studied full-time in NZ for at least 30 weeks get 3 years. For Level 8 or lower the visa matches your study time. The old Auckland and regional split no longer applies. Non-degree Level 7 or lower qualifications qualify only if on INZ's eligible list. From 16 November 2026, a Level 7 graduate diploma qualifies only with a bachelor's, and a 6-month Short-Term Graduate Work Visa is available for some graduates who do not qualify.
Your education provider sets the English requirement for your course, and it varies by programme. Immigration New Zealand does not make a test score mandatory for the student visa, although results can support your genuine intention to study. A higher standard applies later for skilled residence: IELTS 6.5, PTE Academic 58 or TOEFL iBT 79 overall.
Only in some cases. Your partner can apply for a work visa if you study at Level 9 or 10, or at Level 7 or 8 in a qualification specified for a Green List role or on INZ's Post-Study Work Visa eligible list. Otherwise a partner can only apply for a visitor visa. Partners cannot be included in your student visa application.
After completing your studies, apply for a Post-Study Work Visa (or the Short-Term Graduate Work Visa from 16 November 2026 if you do not qualify) and find a skilled job with an accredited employer. You can then apply through the Skilled Migrant Category or a Green List visa if your job and qualifications meet the rules.
Yes, health and travel insurance is mandatory for the entire duration of your student visa. Costs range from NZD $600-1,000 per year depending on coverage.
Main intakes are February and July each year. Secondary intakes happen in May, September, and November. Most universities and colleges follow this schedule for program start dates.
There is no maximum age for a New Zealand student visa. You need to meet your provider's academic requirements and show a genuine intention to study. Skilled Migrant Category residence later requires you to be 55 or younger.
Immigration New Zealand needs evidence that you have paid tuition for one course or one year, whichever is shorter. If you apply from outside NZ, you can wait to pay until INZ approves your application in principle, but processing takes longer. Payment terms vary by provider, so confirm the schedule with your chosen institution.
A partner work visa is available only if you study at Level 9 or 10, or at Level 7 or 8 in a qualification specified for a Green List role or on INZ's Post-Study Work Visa eligible list. The visa lets your partner do any work, subject to conditions, and normally lasts as long as your student visa. You must show NZD $4,200 for the stay. Other students' partners cannot get a work visa.
The Green List names occupations New Zealand needs. Tier 1 roles can apply for a Straight to Residence Visa, and Tier 2 roles can apply for a Work to Residence Visa after 24 months of qualifying work. There is no points test, but each role has its own qualification or registration, pay and experience rules, and you need an accredited employer.
Total = tuition paid for one course or one year (whichever is shorter) + NZD 20,000 for each year of the visa for living costs. For example, a 3-year Bachelor's costing NZD 25,000 a year, with a visa for the first year, needs 25,000 + 20,000 = NZD 45,000. INZ does not require the money for later years upfront, but a credible plan helps.
Residence is not decided in a fixed number of weeks. Skilled Migrant Category applications go through an expression of interest, an invitation to apply and then a visa application, and processing times change, so check Immigration New Zealand's processing-time tool. INZ states that 80% of Straight to Residence applications are decided within 4 months.
Our education counselors will help you find the right course, apply to universities, and guide you through the visa process.
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