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Your KiwiSaver, added up.

See what goes into your KiwiSaver over a year from you, your employer and the government, at the rates that apply from 1 April 2026.

At a glance
  • 3.5% defaultEmployee and employer, from April 2026
  • $260.72Maximum government contribution
  • Per fortnight tooSee the pay-cycle amounts
The minimum is 3.5% from 1 April 2026.
Government contribution
$0.00Going into your KiwiSaver this year
Your contributions ($0.00 a fortnight)$0.00
Employer contributions, before ESCT ($0.00 a fortnight)$0.00
Government contribution$0.00

Employer contributions are taxed (ESCT) at a rate based on your income before they reach your account. The government pays 25 cents for every dollar you contribute, up to $260.72 a year, for members aged 18 to 64 earning $180,000 or less. Investment returns and fees are not included.

2026 changes

  • The default employee and employer rate rose to 3.5% on 1 April 2026, and is scheduled to reach 4% on 1 April 2028.
  • Employees can ask IRD for a temporary 3% rate for 3 to 12 months.
  • Employer contributions now extend to eligible 16 and 17 year olds.
Read the KiwiSaver guide
Ravin ShankarManaging Director

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