KiwiSaver Calculator

01Your pay

Pay frequency

02Contributions

At least 3.5% from 1 April 2026 (an employer may match 3% if you have a temporary rate reduction). Some employers pay more.

Employer superannuation contribution tax, set by your salary plus employer contributions for the previous tax year.

Needed for the government contribution. Taxable income must also be $180,000 or less.

03Projection

Your own assumption. 0% shows contributions only. Check your fund's past returns with your provider.

Into your KiwiSaver

$4,427

per year (2026–27)

Your contributions per year
$2,450
Your deduction per pay
$94.23
Employer contribution (before ESCT)
$2,450
ESCT
$733
Employer contribution after ESCT
$1,717
Government contribution
$260.72
ESCT rate
30%
Projected balance
$64,275
  • The government contribution is worked out on the year from 1 July to 30 June and is paid into your account after 30 June; it is reduced if you join, turn 16 or reach 65 part-way through that year.
  • Contributions follow Inland Revenue's payroll rules for each pay: your deduction and the employer contribution are truncated to cents, and ESCT is charged on the whole dollars of the employer contribution.
  • Projection: 0% a year (your assumption), the same pay and contributions every year, government contribution included. Real returns vary and can be negative.

Into your KiwiSaver: $4,427 per year (2026–27)

Show the breakdown
KiwiSaver contributions per year, 2026–27
LinePer year
Your contributions (3.5%)$2,450
Employer contribution (3.5%)$2,450
Less ESCT at 30%−$733
Government contribution$261
Total into KiwiSaver$4,427
Who puts money in each year
48%TAKE-HOME
  • You$2,45048%
  • Employer (after ESCT)$1,71733%
  • Government$2615%
  • ESCT (to Inland Revenue)$73314%

See the full breakdown and tables (opens in a new tab)

Calculator by CalcBloc · rates from official sources, checked 2026-10-17.