Use this NZ KiwiSaver calculator to estimate employee contributions and compare member tax credit outcomes across the current and upcoming settings.
Multiplies salary by the selected employee rate and estimates the member tax credit for the chosen year. Common rates are 3%, 4%, 6%, 8%, and 10%. Employer contributions can attract ESCT.
The Member Tax Credit (MTC), often referred to as the government contribution, is the amount the government adds to your KiwiSaver account each year based on your contributions.
Use the live tool above to enter your figures, compare outcomes, and sense-check the result before you rely on it for planning. This page is built for employees, savers, and households reviewing KiwiSaver contribution strategy.
Check the official IRD guidance for the latest published rules, thresholds, timing, and definitions that apply to KiwiSaver.
This calculator provides estimates only and does not replace official IRD calculations.
The calculator shows the personal contribution needed to receive the full annual member tax credit.
The prompt includes different member tax credit settings from 1 July 2025.
Use the live tool above, enter the amounts that match your situation, and review the estimate together with the official guidance linked on this page.
No. This calculator or guide provides estimates and general information only, so you should still confirm the final position with official IRD guidance or professional advice where needed.
Use the official guidance linked on this page to check the published rules, thresholds, filing expectations, and definitions that apply to KiwiSaver.