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KiwiSaver Calculator NZ

Estimate your KiwiSaver contributions from your salary and chosen rate.

How it works

Your annual contribution is your salary multiplied by your selected rate. For example, $60,000 at 3.5% is $2,100 a year, or about $175 a month.

This calculator estimates your own contributions and a government contribution for an eligible member. Employer contributions and ESCT are not included, and government contribution eligibility is not checked automatically.

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.

2026-27 current defaults3.5% employee and 3.5% matching employer rates
Current government contribution25c per qualifying $1, up to $260.72 after contributing $1,042.86
Income eligibilityNo government contribution when annual taxable income is over $180,000
Historical 2024-2550c per $1, up to $521.43

What to enter

Enter your annual salary before deductions, select the contribution rate you pay, and choose the year. The monthly result is the annual contribution divided by 12.

  • Personal contributions matter for receiving the full MTC.
  • A higher contribution rate boosts long-term savings but reduces cashflow.
  • Review settings each tax year.

Official IRD guidance

Check the official IRD guidance for the latest published rules, thresholds, timing, and definitions that apply to KiwiSaver.

Open official guidance www.ird.govt.nz/kiwisaver

Disclaimer

This calculator provides estimates only and does not replace official IRD calculations.

  • Uses employee contributions only.
  • Member tax credit is capped at the shown annual maximum.
  • Employer contribution and ESCT are separate.

Frequently asked questions

How do I get the full KiwiSaver government contribution?

Contribute at least 1,042.86 dollars of your own money during the year to receive the maximum $260.72 government contribution, provided you meet the eligibility rules and your taxable income is not over NZD 180,000.

Why are older settings available?

Historical settings remain available so users can compare earlier government contribution rules with the current 2026-27 settings.

How do I use this KiwiSaver tool?

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.

Does this replace official IRD calculations?

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.

Where can I verify this with IRD?

Use the official guidance linked on this page to check the published rules, thresholds, filing expectations, and definitions that apply to KiwiSaver.

Related TaxPop pages

Employer contribution tax (ESCT)