What are the KiwiSaver contribution rates?
Since 1 April 2026 the default KiwiSaver contribution rate is 3.5% of your before-tax pay, rising to 4% from 1 April 2028. You can also choose to put in 4%, 6%, 8% or 10%. Your employer contributes on top, and the government adds its share if you qualify.
The rates you can choose
Your contribution comes straight out of your pay before you see it. The options are the 3.5% default, or 4%, 6%, 8% or 10%. If money is tight you can apply to stay at 3% for up to 12 months at a time, then renew it before you are moved up.
What your employer adds
If you are contributing from your wages, your employer must contribute too, currently at the same 3.5% default rate (rising to 4% in 2028), before employer tax. That is extra pay working for your retirement, so contributing enough to get the full employer amount matters.
The government contribution on top
On top of that, the government adds up to $260.72 a year if you contribute at least $1,042.86 between 1 July and 30 June, and your income is $180,000 or less (Inland Revenue). The detail is in the KiwiSaver government contribution.
How to change your rate
Tell your employer to change your deduction rate, or contact your provider. New to all this? Start with the KiwiSaver basics, and if your provider is not right, read how to switch KiwiSaver providers.
Compare KiwiSaver funds and fees on Kāhu.
Frequently asked questions
What is the default KiwiSaver contribution rate?
Since 1 April 2026 it is 3.5% of your before-tax pay, rising to 4% from 1 April 2028.
Can I contribute more than the default?
Yes. You can choose 4%, 6%, 8% or 10% of your pay. There is no upper limit on voluntary lump sums.
Can I lower my contribution rate?
You can apply to stay at 3% for up to 12 months at a time, then renew it.
Kāhu provides general information, not personalised financial advice. Kāhu is a KiwiSaver comparison and switching platform operated by Financial Advice NZ Limited, a licensed Financial Advice Provider (FSP1009051). The figures here are general and current as at June 2026. For advice on your situation, speak to a licensed financial adviser.