Skip to main content
Check out our new content, navigation and design for KiwiSaver.

  Changing my KiwiSaver contribution rate

Talk to your employer about changing your contribution rate or fill in the neccessary forms if you are self-employed.
Anyone wishing to contribute more or less regularly than the default rate.
Contribution rates can be changed once every 3 months.


You can choose to contribute 3%, 4%, 6%, 8% or 10% of your pay.

The default rate is 3% if you don’t choose a higher rate.

You can change your contribution rate once every 3 months, unless your employer agrees to a shorter timeframe. To do this you need to let your employer know in writing.

If you want to contribute more than the maximum rate, you can make a payment directly to your scheme provider.


If you're not an employee - for example, you're:

  • self-employed
  • a contractor
  • not working
  • receiving a benefit

then the contribution you pay will be set out in the contract you have with your KiwiSaver provider.

There may be:

  • a minimum annual sum
  • specific payment periods that apply, such as monthly or quarterly.

If you want to reduce or increase the contributions you make, you'll need to talk to your KiwiSaver provider.