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How much does my employer contribute to KiwiSaver?

Employers must contribute at least 3% of your gross salary if you're a KiwiSaver member. Some employers choose to contribute more. The employer contribution is separate from your salary.

What is the KiwiSaver government tax credit?

The government pays an annual member tax credit of up to $521.43. For every $1 you contribute, the government pays 50 cents, up to a maximum of $1,042.86 of your contributions per year (July to June).

Who is eligible for the government tax credit?

You're eligible if you're aged 18-65, a KiwiSaver member, and contributing. You need to contribute at least $1,042.86 per year to receive the full $521.43. People under 18 and over 65 are not eligible for the tax credit.

When is the KiwiSaver year?

The KiwiSaver member tax credit year runs from 1 July to 30 June. To get the full government contribution, you need to contribute at least $1,042.86 during this period.

Can I withdraw my KiwiSaver for a first home?

Yes. After 3 years of membership, you may be eligible to withdraw your contributions (but not the government tax credits or employer contributions) for a first home deposit. You may also be eligible for a First Home Grant.

Business Tools/KiwiSaver Calculator

Contributions · Govt $521 Top-Up

KiwiSaver Calculator

See your KiwiSaver contributions from both you and your employer, plus the government annual tax credit of up to $521.43.

Contributions & govt top-up

Annual salary

Your contribution

Employer contribution

Your contribution / yr

$0.00

Employer contribution / yr

$0.00

Government top-up (max $521.43)

$0.00

Total annual contributions

$0.00

Rates valid for 2025/26 tax year · Last reviewed August 2025

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How KiwiSaver works

KiwiSaver is a voluntary, work-based savings scheme to help New Zealanders save for retirement. Members contribute a percentage of their gross salary or wages — typically 3%, 4%, 6%, or 8%.

Employers must contribute at least 3% of your gross salary (excluding the employer superannuation contribution tax). If you contribute 4% or more, some employers may match at a higher rate.

The government provides an annual member tax credit of up to $521.43 for eligible members aged 18-65. The government pays 50 cents for every $1 you contribute, up to a maximum of $1,042.86 of contributions per year.

This calculator shows your annual employee contribution, employer contribution, government tax credit, and total annual savings into your KiwiSaver account.

KiwiSaver Calculator frequently asked questions

The minimum employee contribution rate is 3% of your gross salary or wages. You can choose to contribute 3%, 4%, 6%, or 8%. The default rate for new members is 3%.