Published 20 Sept 2025
Quick Guide
Choosing the right nanny can feel like a maze. This article arms you with the essential facts about live‑in and live‑out nannies so you can decide based on your family’s needs, budget and lifestyle.
What Usually Happens?
In New Zealand a live‑in nanny lives in the family home, usually sharing a bedroom or flat. A live‑out nanny, sometimes called an “on‑call” nanny, stays at her own place and comes to your home for scheduled childcare hours.
Pros & Cons – Live‑in Nanny
- Pros
- Immediate presence – the nanny can respond instantly to emergencies.
- Continuous supervision – ideal for toddlers or children with special needs.
- Greater flexibility with bedtime routines, meals and after‑school care.
- Potential cost savings if you pay a fixed weekly rate; fewer transport costs.
- Cons
- Higher salary expectations and benefits (payroll tax, KiwiSaver, super contributions).
- Requires a dedicated space, potentially affecting house layout.
- Potential for less independence – some parents complain of “household takeover.”
- Legal complexities: you’re considered an employer under NZ employment law, so you must manage P60s, PAYE, annual leave, and health & safety obligations.
Pros & Cons – Live‑out Nanny
- Pros
- Lower overhead – you typically pay only for hours worked or a retainer.
- More flexibility with training and independence; often a good fit for busy parents wanting a “clean handoff” each day.
- Minimal impact on home space and privacy.
- Legal: In many cases a live‑out nanny operates under a contract as a “worker” or “service provider” rather than a full‑time employee.
- Cons
- Less availability outside scheduled hours – no immediate help in an emergency.
- Transport time can eat into childcare hours, especially if the nanny is far away.
- Potential issues with consistency – if the nanny takes vacation, you may need a backup.
- Limited control over routine (e.g., meals or cleaning expectations).
Comparison Table
| Feature | Live‑in | Live‑out |
|---|---|---|
| Cost | Higher (e.g., $500–$650 NZD per week) | Lower (hourly or contract basis) |
| Availability | Always on‑site | Scheduled only |
| Household space needed | Yes (1‑2 rooms) | No |
| Legal obligations | Employer responsibilities (PAYE, KiwiSaver) | Service contract; fewer payroll duties |
| Control over routine | High | Variable |
| Ideal for | Toddler care, special needs, flexible schedules | After‑school, part‑time, regular hours |
Cost Snapshot
Below are rough weekly costs for a typical family with one live‑in vs. a live‑out nanny. Figures show gross wages and employer contributions (e.g., KiwiSaver, ACC). All figures are estimates and can vary by experience and region.
| Item | Live‑in (weekly) | Live‑out (weekly hours) |
|---|---|---|
| Base salary | $600 NZD | $250 NZD (10 hrs @ $25 NZD/h) |
| KiwiSaver (3%) | $18 NZD | $7.50 NZD |
| ACCC | $15 NZD | $7.50 NZD |
| Employer tax reliefs | Included | Included |
| Total Employer Cost | $633 NZD | $265 NZD |
Note: Live‑in costs may also include a room, meals, or light housekeeping duties, which are typically billed as provided benefits rather than salary.
Legal & Practical Considerations in NZ
Regardless of the model you choose, you must comply with Employment New Zealand guidelines. Key points include:
- Employment Contract – define hours, duties, leave and termination procedures.
- Minimum Wage – the current national minimum wage applies. For live‑in staff, a flat weekly rate can often be used if it exceeds hourly equivalents.
- Health & Safety – register your nanny as an employee for the Workplace Relations Act if they’re considered a full‑time employee.
- KiwiSaver – you must contribute 3% of gross wages if your nanny is above the enrolment age.
- Accident Compensation – ACC covers most occupational injuries for employees; you might need to check coverage for live‑in arrangements too.
- Exit Strategy – a clear notice period (usually 2 weeks for day staff, 4 weeks for full‑time live‑in) protects both parties.
Choosing the Right Match
Below are a few questions you might ask your self or the agency when interviewing a nanny:
- What is my child’s daily routine and what flexibility is required?
- Do I need round‑the‑clock supervision or just after‑school and bedtime?
- What is my budget for childcare once taxes and benefits are factored?
- Do I want to share a living space with a stranger, or prefer a clear boundary?
- Am I comfortable taking on the legal responsibilities of an employer?
Be honest about your expectations, negotiate a written agreement, and leave room for a trial period.
Final Thoughts
The right choice hinges on family dynamics, budget, flexibility, and confidence in managing employer laws. Live‑in nannies bring peace of mind and flexibility at a higher cost and greater responsibility. Live‑out nannies offer less overhead and simplicity, but may require you to be more coordinated throughout the day.
Take the time to research, interview and contract professionally. In New Zealand, agencies such as SuperNannies and Nanny.co.nz can help match you with vetted candidates. And remember, quality childcare is an investment in your children’s future – choose wisely.