What is the overall budget or fund planning required for studying in New Zealand, including tuition fees and application fees for a Master's/PhD?

You'll need to plan for both tuition fees and living expenses when studying in New Zealand. Here’s a typical budget breakdown (amounts are subject to change):

- Tuition fees: NZD 28,000 - 55,000/year for coursework master's; NZD 28,000 - 48,000/year for research master's; about NZD 7,000/year for PhD.
- Living expenses: Immigration New Zealand requires at least NZD 20,000/year; actual costs typically range NZD 15,000 - 27,000/year depending on city and lifestyle.
- Accommodation: NZD 140 - 484/week.
- Application fees: NZD 85 - 300 per application.
- Student visa fee: Around NZD 750 - 850.
- Insurance: NZD 500 - 1,000/year.
- Student services: NZD 800 - 1,200/year.
- Books/materials: NZD 500 - 1,500/year.
- Airfare/settlement: NZD 1,200 - 2,500.

Total annual budget usually ranges from NZD 44,000 (lower range) to NZD 85,000+ (upper range), depending on your course and lifestyle.