KiwiSaver Calculator
Calculate your employee and employer KiwiSaver contributions at any contribution rate.
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The take-home pay calculator combines KiwiSaver contributions with all other deductions to show your actual net pay.
Calculate your take-home pay →About KiwiSaver
KiwiSaver is New Zealand's voluntary work-based savings scheme. Once enrolled, your contributions are deducted from your pay and your employer contributes a minimum of 3%.
Employee contribution rates: 3%, 4%, 6%, 8%, or 10%. You choose your rate and can change it periodically.
Frequently asked questions
Is KiwiSaver compulsory?
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.
How much does my employer contribute?
Employers are required to contribute a minimum of 3% of your gross salary to KiwiSaver. Some employers may contribute more.
Can I change my contribution rate?
Yes. You can change your KiwiSaver contribution rate to 3%, 4%, 6%, 8%, or 10% by notifying your employer or IRD.
Is the employer contribution taxed?
Yes. Employer contributions are subject to Employer Superannuation Contribution Tax (ESCT). The effective rate depends on your income level.
Sources
Information sourced from kiwisaver.govt.nz and IRD.
Related NZ tax tools
Last updated March 2026. Rates sourced from IRD.