New Zealand·Calculators·KiwiSaver contributions

KiwiSaver contributions calculator

KiwiSaver employee contribution rates are 3%, 3.5%, 4%, 6%, 8%, 10%. Your employer adds 3.5% normally, or 3% while you are on the temporary reduction rate. The government adds 25 cents per dollar you contribute, up to $260.72 a year.

Your numbers

Gross salary

$NZD / year

Annual scenario total:

$4,851

Your 3% plus employer and government

You contribute$2,700

Employer, before tax$2,700

ESCT on the employer amount−$810.00

Government contribution$260.72

Employee in KiwiSaver with regular eligible gross salary or wages. Active temporary rate-reduction certificate and employer chooses to match 3%. The ESCT band is estimated from annual salary plus the gross employer contribution, without prior-year earnings or pay-period rounding. Employer contribution is on top of salary and ESCT is deducted from it. Eligible for the full government-contribution year from 1 July to 30 June, with this salary as your only taxable income and no part-year eligibility or mid-year rate change. No savings suspension, complying-fund offset, total-remuneration adjustment or voluntary contribution.

Source: Inland Revenue · 2026–27 rates · Checked Oct 2026 · Valid through 2027-03-31 (NZ time)Using New Zealand rules

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The employer amount is taxed before it arrives

Your employer's contribution has ESCT taken off it at a rate based on your income, so the amount reaching your account is smaller than the headline percentage suggests. Your own contribution comes from pay that has already been taxed, so it is not reduced again.

This scenario assumes your salary is your only taxable income and you meet the age and residence requirements for the full government-contribution year, 1 July to 30 June. Other taxable income counts towards the income cap. If you have other income or qualify for only part of the year, this result does not estimate your entitlement; check Inland Revenue's KiwiSaver benefits guidance.

The selected employee rate and assumed employer rate apply to the whole salary. There is no date selection, automatic rule selection or eligibility-day proration. A year spanning a rate change needs payday-level modelling that this scenario does not provide.