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Change or stop contributions

You can contribute more or less, take a break from contributing or, in certain circumstances, stop your contributions altogether.

Change your contribution rate

You can contribute 3%, 4% or 8% of your before-tax pay. Changing your rate is easy.

Can you stop your contributions?

There are only limited circumstances where you can completely stop contributing to KiwiSaver, but you could consider taking a break with a contributions holiday.

Take a contributions holiday

If you're an employee, once you've been a member for 12 months you can take a break from saving - this is called a contributions holiday.

Stopping after your withdrawal date

You can stop making contributions to your KiwiSaver when you reach your withdrawal date. This is when you reach 65 and have been a member for at least 5 years.