1. Help Centre
  2. KiwiSaver Contributions

How much do I need to contribute to my KiwiSaver account?

You need to contribute at least 3% if you are an employee – there is no minimum for anyone who is self-employed.

For members who are employees, the minimum contribution rate is 3%. Or you can choose to contribute at a higher rate of 4%, 6%, 8% or 10% of your salary. It’s important to remember that no matter what percentage an employee chooses to contribute, the employer is only required to contribute 3%.

If you’re self-employed then you don’t have to make contributions, or even have a KiwiSaver account, but you are still entitled to some of the benefits such as government contributions.

You can find more information about KiwiSaver and being self-employed here.