KiwiSaver rates
Your own contribution comes out of your pay. Your employer's is paid on top — it never appears in your take-home figure, and ESCT is deducted before it reaches your fund.
Last updated 2026-04-01 · Official source: Budget 2025 / IRD
Contribution rates
| Setting | Value | Effective from |
|---|---|---|
| Standard employee rate options | 3.5% / 4% / 6% / 8% / 10% | 1 April 2026 |
| Temporary reduction rate | 3% — 3 to 12 months, then resets to the default | 1 April 2026 |
| Default employee rate | 3.5% | 2026-04-01 |
| Employer minimum | 3.5% | 2026-04-01 |
Default rose from 3% to 3.5% on 1 Apr 2026; scheduled to rise to 4% on 1 Apr 2028.
Government contribution
| Setting | Value |
|---|---|
| Match rate | 25c per $1 |
| Maximum per year | $260.72 |
| Personal contribution for the maximum | $1,042.86 |
| Income cap | $180,000 |
Halved from 50c to 25c per $1 from 1 Jul 2025. No government contribution above the income cap.
Last updated · 24 July 2026
Confirm figures against the official source before acting. Methodology · Corrections.