Change your contribution rate

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


You can choose to contribute 3%, 4% or 8% of your before-tax pay.

The default rate is 3% and this is the minimum that you can contribute. If you already contribute this amount then you won't be able to pay less, unless you are eligible for a contributions holiday.

You can change your contribution rate once every 3 months, unless your employer agrees to a shorter timeframe. To do this you need to let your employer know in writing.

You can do this:


If you're not an employee - for example, you're:

  • self-employed
  • a contractor
  • not working
  • receiving a benefit

then the contribution rate you have to pay will be set out in the contract you have with your KiwiSaver provider. There may be:

  • a minimum annual sum
  • specific payment periods that apply, such as monthly or quarterly.

If you want to reduce or increase the contribution you make, you'll need to talk to your KiwiSaver provider.