How much you have to contribute to KiwiSaver

How much you contribute depends on whether you are an employee or non-employee.


You can choose to contribute either 3%, 4%, 6%, 8% or 10% of your 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.
  • an overpayment of an amount of an employer’s superannuation cash contribution that an employee chooses to have treated as salary or wages
  • Honoraria payments paid by Fire and Emergency New Zealand to a volunteer

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.

You can contact your scheme provider for details about your contribution rate.