How can employees make contributions?

If you are in paid employment you automatically make contributions through your employer, who deducts 3%, 4%, 6%, 8% or 10% of your pre-tax (gross) salary or wage and sends it to Inland Revenue with your PAYE deductions. Inland Revenue will then transfer the money to your KiwiSaver provider.

Once you are a member of KiwiSaver, you must contribute at least 3% through your employer, unless you have been granted a Savings Suspension by Inland Revenue. The minimum contribution for KiwiSaver applies even if you are already contributing to a workplace superannuation scheme.

You can also make voluntary contributions as a lump sum or top-up payment to your KiwiSaver account.