How much do I need to contribute to my KiwiSaver scheme?
If you're employed, the minimum employee contribution you will make is currently 3.5% of your before-tax pay. You can choose to contribute more - 4%, 6%, 8% or 10%.
From 1 April 2028, the minimum contribution rate will increase to 4%.
Log into the Smart Member Portal to change your Contribution rate.
If you're self-employed or not currently working, there is no minimum contribution. You decide how much and how often you contribute.
If you'd like to grow your KiwiSaver balance faster, you can make a one-off contribution or set up regular payments at any time. Small amounts contributed regularly can make a meaningful difference over the long term.