KiwiSaver calculator

Your KiwiSaver grows from three sources: what you put in from your pay, what your employer adds, and a yearly government contribution.

Pick your contribution rate and enter your pay to see each part for a year.

How it's calculated

Your contribution is your rate times your gross pay. The default rate is 3.5%, and you can choose 4%, 6%, 8% or 10%.
Your employer adds at least 3.5% of your gross pay. Employer superannuation contribution tax (ESCT) comes off first, at a rate set by your salary plus the employer contribution.
The government adds 25% of what you contribute, up to $260.72 a year, if you're 16 to 65 and earn $180,000 or less.

An example

On $60,000 at 3.5% you put in $2,100 a year. Your employer adds $2,100, less $367.50 ESCT. The government adds $260.72. In total $4,093.22 goes into your account.

Frequently asked questions

Can I stay on 3%?

Yes. You can apply for a temporary rate reduction to stay at 3%. It lasts 12 months, then you need to reapply, and your employer can also contribute at that rate.

How much do I need to put in to get the full government contribution?

You need to contribute at least $1,042.86 of your own money between 1 July and 30 June. Employer contributions don't count towards it.

Are contribution rates going up again?

Yes. The default employee rate and the employer contribution both rise to 4% for paydays from 1 April 2028.

Do 16 and 17 year olds get employer contributions?

Yes. Employer contributions extend to members aged 16 and 17 from 1 April 2026.

Key terms

ESCT: Employer superannuation contribution tax, taken from your employer's contribution before it reaches your account.
Government contribution: A yearly payment from the government into your KiwiSaver, based on what you put in between 1 July and 30 June.

Up-to-date official data

Data checked against the official source on 14 October 2026.

We check the official sources automatically, every day.

See all sources

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