How much you have to contribute to KiwiSaver

If you're employed, you can choose to contribute either 3%, 4% or 8% of your before-tax pay. Otherwise you can agree your contribution rate with your provider.


You can choose to contribute either 3%, 4% or 8% of your before-tax pay. If you don't choose an amount, the default rate of 3% will apply.

For KiwiSaver contributions your pay is your salary or wages.

This includes:

  • allowances
  • bonuses
  • commission
  • extra salary
  • overtime
  • gratuities
  • any other remuneration of any kind before tax.

This doesn't include:

  • redundancy payments
  • the value of providing:
    • board or lodging, or
    • use of a house or part of a house, or
    • the payment of an allowance instead of the provision of this benefit
  • the cost of accommodation overseas
  • overseas living expenses and allowances
  • some types of grants, pensions and benefits
  • free or discounted shares received under an employee share scheme
  • payments under a Voluntary Bonding Scheme funded by the Ministry for Primary Industries, the Ministry of Health or the Ministry of Education.

Find out how to change your contribution rate.


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

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

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

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