How much KiwiSaver does my employer pay in New Zealand?

From 1 April 2026 the minimum compulsory employer KiwiSaver contribution is 3.5% of your gross pay, rising toward 4% from 1 April 2028, provided you are also contributing. On a $60,000 salary, 3.5% is about $2,100 a year. ESCT (employer superannuation contribution tax) is deducted from that before it reaches your account, so the net amount added is a little lower.

The employer contribution is on top of your own, which is why staying in KiwiSaver while you work is usually worthwhile: opting out means turning down that money. Some employers pay more than the minimum, and some offer total remuneration packages where the contribution comes out of a fixed total, so it pays to check your employment agreement.

Work it out

KiwiSaver Calculator: project your balance with employer contributions
ESCT rate by income: the tax on the employer contribution
Contribution Rate Calculator

Indicative only, not financial advice. Uses current New Zealand rates for 2026/27. Last reviewed 2026-06-02. See also financial literacy NZ.

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Reviewed and maintained. Last reviewed 2026-06-02 and checked on a twice-monthly cycle against IRD, RBNZ and Stats NZ. How we keep data current.