KiwiSaver Calculator

KiwiSaver is automatically enrolled for most new employees, but you can opt out within the first 56 days of starting a new job. Once enrolled, contributions are deducted from your pay.

Employers are required to contribute a minimum of 3% of your gross salary to KiwiSaver. Some employers may contribute more.

Yes. You can change your KiwiSaver contribution rate to 3%, 4%, 6%, 8%, or 10% by notifying your employer or IRD.

Yes. Employer contributions are subject to Employer Superannuation Contribution Tax (ESCT). The effective rate depends on your income level.

From 1 July 2025, the government contributes 25 cents for every dollar you put in, up to a maximum of $260.72 per year (down from $521.43 pre-Budget 2025). You need to contribute at least $1,042.86 yourself each year to get the full top-up, and your prior-year income must be below $180,000.

Yes. After being a member for at least 3 years, you can withdraw most of your KiwiSaver savings (including employer and government contributions) to buy your first home, leaving $1,000 in the account. You must intend to live in the home, and it must be in New Zealand.

Yes. After 12 months in KiwiSaver, you can apply to IRD for a savings suspension of up to 1 year (renewable). Your employer contributions stop during a suspension, and you won't qualify for the Member Tax Credit if your contributions fall below $1,042.86.