Does my employer have to contribute to my KiwiSaver scheme?

If you're eligible and contributing to KiwiSaver from your pay, your employer will generally need to contribute too. 

The minimum employer contribution is currently 3.5% of your before-tax pay and is set to increase to 4% from 1 April 2028. 

If you've temporarily reduced your own contribution rate to 3%, your employer may also reduce their contribution to 3% while the temporary rate applies. If you’re on a savings suspension, your employer may also stop contributing to your KiwiSaver. 

Employer contributions are subject to Employer Superannuation Contribution Tax (ESCT), so the amount that reaches your KiwiSaver account will usually be less than the amount your employer contributes before tax. 

Compulsory employer contributions generally apply from age 16 until you reach 65, provided you meet the eligibility requirements.