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Te huri i taku pāpātanga takoha ki KiwiSaver Changing my KiwiSaver contribution rate

What
You can change your contribution rate through your employer, myIR account or KiwiSaver provider.
Who
Anyone wishing to change their KiwiSaver contribution rate.
When
Contribution rates can be changed once every 3 months, unless your employer agrees to a shorter timeframe.

Employees

You can choose to contribute 3%, 4%, 6%, 8% or 10% of your pay.

The default rate is 3% if you don’t choose a higher rate.

You can change your contribution rate once every 3 months, unless your employer agrees to a shorter timeframe.  

If you want to contribute more than the maximum rate, you can make a payment directly to your scheme provider.

Non-employees

If you're not an employee then the contribution you pay will be set out in the contract you have with your KiwiSaver provider - for example, you're:

  • self-employed
  • a contractor
  • not working
  • receiving a benefit.

There may be:

  • a minimum annual sum
  • specific payment periods that apply, such as monthly or quarterly.

If you want to reduce or increase the contributions you make, you'll need to talk to your KiwiSaver provider.

Last updated: 02 Jul 2021
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