How it works
Multiplies salary by the selected employee rate and estimates the government contribution for the chosen year. The current default employee and matching employer rates are 3.5%; other employee rates remain selectable. 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.
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
Use the calculator
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.
- 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.
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.