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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 end payment date

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