NZ KiwiSaver Calculator
Calculate your KiwiSaver contributions including employee and employer rates. See how different contribution rates affect your take-home pay and retirement savings.
Regional Rule Context
New Zealand Rates and Rules
PAYE Tax Brackets
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Result
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Calculate KiwiSaver contributions at employee rates of 3%, 4%, 6%, 8%, or 10%. Employer contributes a minimum of 3%.
Disclaimer: This calculator uses publicly available rules effective as of Apr 1, 2024 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Mar 1, 2026.
Formula
You choose your employee contribution rate (3%, 4%, 6%, 8%, or 10%). Your employer must contribute at least 3%. Both amounts go into your KiwiSaver fund.
New Zealand FAQs
What KiwiSaver rates can I choose?
3%, 4%, 6%, 8%, or 10%. Default for new members is 3%.
How much does my employer contribute?
Employers must contribute at least 3% of gross salary.
When can I access KiwiSaver?
At age 65, for your first home (after 3 years), or in cases of hardship or serious illness.
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