cost of study in New Zealand
Study Abroad Expert August 2, 2023

Cost of Study in New Zealand

Are you an Indian student dreaming of pursuing higher education in a vibrant, culturally diverse country? Look no further than New Zealand! With its breathtaking landscapes, world-renowned universities, and a reputation for educational excellence, New Zealand has become a popular destination for international students seeking top-notch education. However, before embarking on this exciting journey, it’s essential to understand the cost of study in New Zealand and plan your finances accordingly.

In this comprehensive guide, we will delve into the various aspects contributing to the overall cost of study in New Zealand for Indian students, including tuition fees, living expenses, and additional charges. Whether you’re interested in undergraduate or postgraduate programs, this article aims to provide Indian students with valuable insights into the study expenses associated with pursuing overseas education in New Zealand.

Understanding the cost of study in New Zealand is crucial for making informed decisions about your educational future. We will explore the New Zealand university fees and the factors influencing these costs. Additionally, we’ll delve into the living expenses you should anticipate, considering accommodation, transportation, healthcare, and daily necessities.

Financial Aid 

Our professional experts at Shuraa Education will address any potential financial aid and scholarships available to Indian students planning to study in New Zealand. By exploring these opportunities, you can identify avenues for funding your overseas education and reduce the burden of expenses.

So, whether captivated by the bustling cities or enchanted by the breathtaking landscapes, join us as we explore the cost of study in New Zealand and provide you with the information you need to plan your academic journey effectively. By the end of this guide, you will be equipped with a comprehensive understanding of the financial aspects associated with the cost of study in New Zealand, empowering you to make the right choices and embark on a fulfilling educational experience.

Let’s dive into the intricacies of the New Zealand education system and uncover the answers to the questions that Indian students often ask: How much is the cost to study in New Zealand? What are the university fees? How much is a study in new zealand cost in rupees? And How can you manage the study expenses while pursuing your dreams in this beautiful country?

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Why Study in New Zealand for International Students?

The reasons you should study in New Zealand are: 

World-class Education

The QS World Rankings cover every university in New Zealand. New Zealand has recently poured money into its education system, which is comparable but not identical to the British system, and it has already begun to pay off:

QS ranks the University of Auckland among the top 100 in the world, Victoria University of Wellington in the top 1% in 19 various fields of study, and the University of Waikato in Hamilton among the top 72 in the world and first in New Zealand for research impact and quality.

In addition to high educational quality, New Zealand’s universities are globally diverse, with over 30,000 international students studying nationwide in 2018. Indeed, 20% of Victoria University of Wellington students are international.

Then there’s the international student assistance network. Given the financial value that overseas students bring to New Zealand’s institutions, they’ve built a robust and compassionate student welfare system to make the student experience as simple and hassle-free as possible. 

Lower tuition fees & lots of scholarships

While New Zealand’s education system is significantly influenced by the British system, it is the less expensive cost of education in New Zealand, and the tuition prices for overseas students are modest in comparison to other nations. A year of the tuition cost of studying in new zealand for international students is roughly NZD 20,000, or slightly under £10,000. That should give you a bit extra money to play with!

In addition to reducing tuition expenses, other scholarship opportunities are available to support your education. It takes some digging and investigating to locate one to which you could apply, but we recommend starting by looking at the websites of the universities to which you want to apply.

Natural Beauty

Regarding natural beauty, New Zealand is one of the world’s most famous countries. Because of its vast expanses and rough scenery, New Zealand has served as the filming location for many movies and TV series. A journey to New Zealand is only complete if you take a road trip across these landscapes in a camper van!

It’s a great environment to live a healthy, active outdoor lifestyle, and the big cities and towns are cool, hip, and modern.  

A Fantastic Culture

New Zealand’s cultural heritage is diverse, influenced by both British customs and the indigenous Mori people, who possess their unique language and mythology. In New Zealand today, people frequently observe Mori culture in arts, crafts, and culinary.

Aside from that, sport is a major industry in New Zealand. Cricket is quite popular, but rugby is where they truly flourish. Another location to witness Mori’s methods is in the famed Haka—the ceremonial dance performed by the national rugby team to scare the enemy. Despite its less than 5 million population, New Zealand takes pride in its national team, “The All Blacks,” as they are regarded as the world’s finest rugby country. 

A warm welcome & a safe experience

Kiwis, or New Zealanders, are recognised for being among the world’s coolest, most laid-back, and friendliest people. In fact, according to a poll conducted by New Zealand’s immigration service, 90% of foreigners in the nation deemed the people to be amiable, citing this as a key factor for their ease of integration.  

Work while you study (and after)

This is a tremendous benefit! While many nations do not allow part-time jobs while on a student visa, New Zealand allows it. Sure, you may not want to (or be required to) work while studying, but those who wish to make a little additional spending money can do so.

Although, you can work while attending university and for a full year following graduation. Furthermore, if your work is related to your degree, you can stay for two years after graduation before applying for permanent residency. Your education experience in New Zealand may develop into a professional opportunity!

If you’d like to learn more about studying abroad and choosing the right university and study abroad college, contact our experts at Shuraa Education. 

How do you manage your expenses in New Zealand?

So, studying abroad might be a costly proposition. However, a good budget plan might assist you in better managing your living expenditures. When calculating the projected cost of study in New Zealand, make sure to include expenses such as accommodation, food, health insurance, and travel in addition to your tuition price.

Below is the table of the estimated general cost of studying in New Zealand for Indian students: 

Expenses Average Costs Average Costs
Tuition Fees NZD 22,000 (approx. value to be paid annually) INR 1141514.99
Student Visa fees NZD 280 INR 14528.37
Study Material and Stationary NZD 500/annually  INR 25427.82
Additional Costs NZD 100 INR 5085.56

If you any particular questions regarding the total cost to study in New Zealand feel free to contact our professional experts at Shuraa Education. 

Tuition Fee is your Prime Expenditure

However, the university or school you attend and the type of qualification you pursue determine your tuition cost. New Zealand has several prestigious universities and institutions, each with a unique pricing system. New Zealand tuition fees for international students are between NZD 22,000 and NZD 35,000 annually (Approximately).

Humanities, arts, and education courses are often less expensive, but medicine and engineering are more expensive. Tuition fees are often higher at the postgraduate level, and expenses vary depending on the programme. MBA programmes typically cost between NZD 31,000 and NZD 50,000. 

S. No.  Study Program Cost (in NZD)*
1. Undergraduate degree NZD 20,500 – NZD 25,000 Annually
2. Master’s degree NZD 19,000 – NZD 29,000 Annually
3. Doctoral Degree NZD 6,500 – NZD 9,000 Annually
4. MBA NZD 31,000 – NZD 50,000 Annually

To reduce your educational expenses effectively, we recommend applying for a range of scholarships tailored to Indian students. At Shuraa Education, our experts are dedicated to assisting you in identifying the most suitable scholarship opportunities for your overseas education in New Zealand. 

Cost of Accommodation

Most New Zealand institutions provide on-campus housing facilities known as Halls of housing to overseas students. However, to obtain a spot, you must apply individually and well in advance. So, these typically range from NZD 215 to NZD 555 a week. You can select between fully-catered and self-catered residential halls.

You can also choose off-campus housing, where you can share flats with other Indian students or live in a homestay with a local family. In such situations, one must be open to embracing a lifestyle different from that of India. Living in shared flats or flatting sets you back to NZ $ 120 weekly. Remember that rental prices vary by city.

If you arrive before your tenancy begins, you can secure temporary housing in youth dormitories such as the YMCA. These are good-value lodgings and a terrific way to meet new people. During your degree in New Zealand, you can also opt to stay in student residence halls (about. $200 per week), shared apartments (approx. $120 per week), or independent flats (approx. $180 per week). 

Cost of your student visa

When calculating the cost of study in New Zealand, including the costs of getting a student visa is important. Obtaining a valid student visa is an important step in your quest to study in New Zealand since it offers you legal authority to study in the nation. However, it is crucial to note that the cost of a student visa can change, and it is best to contact experts or education counsellors, such as those at Shuraa Education, for the most up-to-date information on the visa application procedure and associated fees.

According to current statistics, the cost of a student visa in New Zealand is around NZD 270. This charge supports the costs of processing and administration associated with evaluating your visa application. It is important to note that visa costs are subject to change; therefore, it is critical to remain up to speed on the most recent regulations and prices by consulting professionals in the industry. Education counsellors, such as those at Shuraa Education, may greatly aid you through the visa application process and ensure you have the correct cost information.

Working with an education consultant may assist you in navigating the complexities of the visa application process and ensuring that you satisfy all of the essential criteria. They can help you prepare the necessary papers, such as proof of admission into a New Zealand college or university, financial stability evidence, and health and character certifications. They can also keep you updated on any changes in visa laws and advise you on how to submit a solid application. 

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Living Expenses 

You should save money for grocery shopping, social activities, and emergencies. When studying in a foreign country, keeping track of your expenses is vital so that you spend your money wisely. In New Zealand, a postsecondary student budget in New Zealand ranges between NZD 13,000 and NZD 16,000 each academic year (indicative). When preparing your budget, remember the following frequent costs:

To pursue an academic program in New Zealand lasting more than a year, it is essential to exhibit a minimum of $15,000 in personal savings. This amount is necessary to adequately finance your living expenses throughout the initial year of your study period. However, if you study for less than a year, you must have at least $1250 to contribute to your living expenses for each month of your programme. 

S. No. Expenses Weekly average cost (In NZD)
1. Food & beverages NZD 136.50
2. Clothing & footwear NZD 16.70
3. Housing & household utilities NZD 202.10
4. Household content & services NZD 32.20
5. Health NZD 34.90
6. Transport NZD 79.50
7. Communication NZD 23.80
8. Recreation & culture NZD 64.20
9. Education NZD 15.30
10. Miscellaneous goods & services NZD 71.70
11. Other expenses NZD 56.20

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Keep safe. Consider health support and insurance

All students going to New Zealand from India must get medical insurance before the start of their programme. Several New Zealand schools and colleges have implemented comprehensive health insurance policies for overseas students, valid for your programme and terminated upon completion.

Certain universities may not provide insurance, thus, you will need to obtain private medical insurance (your IDP counsellor can assist you with this). The average annual cost of medical insurance is between NZD 200 and NZD 700 (indicative). All Indian students in New Zealand have access to extensive health and support facilities.

International students can obtain reasonably priced health insurance. For example, the annual health and travel insurance coverage connected with StudentSafe (a popular choice among students) costs around $590. Orbit Protect is an inexpensive international student health insurance, costing around $454 annually.  

Costs and Transportation Options for Students in New Zealand

Transport is a crucial factor to consider when assessing the entire cost of study in New Zealand. Unless your educational institution provides a shuttle service carrying students between their housing and the school, you will likely rely on public transit.

Buses, trains and ferries are all part of New Zealand’s well-developed public transit infrastructure. The cost of transportation might vary based on factors such as distance travelled, method of conveyance, and any student discounts. It’s critical to become acquainted with your area’s transit alternatives and grasp their prices. 


Buses are a common mode of transportation in New Zealand, especially within cities and towns. So, the cost of bus tickets typically depends on the distance travelled and can range from a few dollars for short journeys to higher amounts for longer trips. Many cities offer discounted student fares, so it’s advisable to inquire about student concessions or discounted bus passes that can help reduce transportation expenses. 


Trains are another convenient option for travelling longer distances between cities. Train fares vary depending on the distance and the class of travel. Some train services, such as the TranzAlpine and Coastal Pacific, offer stunning scenic journeys popular among tourists and locals alike. While train travel may be more expensive than buses, it can provide a unique and memorable experience. 


Ferries are commonly used for inter-island travel in New Zealand, particularly between the North and South Islands. If you plan to explore both islands or if your institution is located on a different island than your accommodation, you may need to budget for ferry costs. Ferry fares are generally higher than bus or train fares due to the longer distances covered and the transport of vehicles.

However, to estimate your transportation expenses accurately, it is advisable to research the specific costs in the city or region where you will be studying. You can visit the websites of transportation providers, check local transport authority information, or seek advice from student services at your educational institution. They can provide details on student discounts, monthly passes, and other cost-saving options that can help make your transportation more affordable. 

Understanding Tax Obligations and Income from Part-Time Work in New Zealand

Understanding the tax obligations and potential income from part-time work is an important aspect of managing your finances while studying in New Zealand. As an Indian student, it is necessary to acquire an Inland Revenue Department (IRD) number to work legally in the country.

Once you have obtained your IRD number, you can work up to 20 hours per week during academic sessions and full-time during vacations. It’s important to note that any income you earn from your part-time job will be subject to taxation. Therefore, planning your budget’s crucial to factor in potential tax liabilities. 

Progressive Tax System and Managing Tax Liabilities as an International Student

New Zealand has a progressive tax system, where higher incomes are taxed at a higher rate. The exact amount of tax you’ll owe will depend on your total income and the applicable tax rates. It is advisable to familiarize yourself with the tax laws and regulations in New Zealand and keep track of your income and tax obligations accordingly. This will ensure you comply with the tax requirements and avoid penalties or legal issues. 

Considering Exchange Rate Variations

Considering the potential impact of exchange rate variations is also important when planning your budget. Currency exchange rates can fluctuate, meaning your home currency’s value may change relative to the New Zealand dollar. It’s a good practice to regularly monitor exchange rates and factor in any fluctuations when estimating expenses. This will help you stay aware of any changes in the cost of living and ensure your budget remains realistic. 

Part-Time Employment Opportunities

Many students seek part-time employment opportunities while studying in New Zealand to alleviate the financial burden. Working part-time can provide valuable work experience and help offset some of your living expenses. Additionally, exploring scholarship opportunities offered by universities can significantly reduce the overall cost of studying abroad. 

Balancing Academic Commitments and Part-Time Work

Although balancing your academic commitments and part-time work responsibilities are important. Ensure that your work schedule does not interfere with your studies, as your primary focus should be on achieving academic success. However, engaging in part-time work and exploring scholarship options can help lower the overall cost of study in New Zealand and provide you with a more sustainable financial situation.

So, by staying informed about tax obligations, seeking part-time employment opportunities, and exploring scholarship options, you can effectively manage your finance and reduce New Zealand education cost. 

Wrapping Up….

Shuraa Education is a reliable resource for students seeking guidance and support for studying abroad, including New Zealand. Our team of experts offers personalized services to assist students in selecting the most suitable courses and universities based on their individual needs and aspirations.

Whether you are an Indian student planning to study in New Zealand or have already set your sights on pursuing education in this captivating country, Shuraa Education can provide valuable assistance throughout your study abroad journey. From the initial stages of the application process to your arrival in New Zealand, our experienced counsellors will ensure your transition is seamless and successful.

However, by collaborating with Shuraa Education, you can benefit from our comprehensive knowledge of New Zealand’s education system, including information on university fees, living costs, and visa requirements. So, we stay up-to-date with the latest education and visa policies developments, enabling them to provide accurate and timely advice to students.

However, if you have any queries or need assistance regarding studying in New Zealand, you can reach out to Shuraa Education through our contact details. We can address your concerns, provide guidance on visa applications, help you explore scholarship opportunities, and offer support in making informed decisions regarding your education abroad.

Contact information: 


Phone: +91 9319998924

Enlisting the services of a reputable education consultancy like Shuraa Education can provide you with peace of mind, knowing that you have reliable support and expert guidance throughout your study abroad journey. With their assistance, you can navigate the complexities of studying in New Zealand and increase your chances of a successful and fulfilling educational experience. 

Frequently Asked Question

Which academic program offers the most affordable tuition fees in New Zealand?

New Zealand offers cost-effective opportunities for pursuing both a BSc and a master’s degree in arts, design, and agriculture. Although, fees may vary depending on your chosen city and university. 

Is New Zealand cheap to study?

While New Zealand may not be one of the most affordable study destinations, it offers a high-quality education system and a favourable cost of living compared to countries like the US or the UK. 

Are international students entitled to free university education in New Zealand?

International students pay for university education in New Zealand. Tuition fees vary depending on the program and institution, and international students must pay the full cost of their education, but various scholarships can help you financially. 

How does the cost of living in New Zealand fare for Indian students?

So, the expenses associated with living in New Zealand for Indian students may differ based on factors like their chosen location and lifestyle preferences. On average, students should budget for accommodation, food, transportation, and other expenses, ranging from NZD 15,000 to NZD 20,000 per year. 

What is the expense associated with pursuing education at universities in New Zealand?

The cost of studying at universities in New Zealand varies based on factors such as the level of study, program of choice, and institution. Undergraduate programs can range from NZD 22,000 to 32,000 per year, while postgraduate programs can range from NZD 26,000 to NZD 37,000 per year. However, the provided figures are estimations and are subject to variation.

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