What are my KiwiSaver options as an employee?

If any of your income is subject to PAYE, when you join KiwiSaver you will be considered an employee, and contributions will be deducted from your gross salary or wage. You can choose to contribute 3%, 4%, 6%, 8% or 10%.

More on how employees can make contributions.


If you are in paid employment and between the age of 18 and 65 you will be eligible for:

  • Government Contribution of up to $521 per year. (Note that the availability of Government Contributions are set by legislation and could be changed or suspended at any time).
  • Employer contributions of at least 3% of your gross salary or wage.