Skip to main content
Inland Revenue Inland Revenue
  • About us
    • About us
    • IR careers
  • News
    • Media releases
    • Updates
    • Subscribe
    • Seminars
  • Related Websites
    • Tax Technical
    • Tax Policy
    • International
  • Contact us
    • Contact us
    • Media queries
    • Tax Technical queries
    • Tax Policy queries
  • English
Register myIR login
myIR login
Individuals and families Ngā tāngata me ngā whānau
  • IRD numbers Ngā tau IRD
  • Income tax for individuals Te tāke moni whiwhi mō ngā tāngata takitahi
  • File my individual tax return Te tuku i tētahi puka tāke takitahi
  • Support for families Ngā tautoko i ngā whānau
  • KiwiSaver Poua he Oranga
  • Student loans Student loans
  • Self-employed Mahi ā-kiri
  • More... Tāpiri atu…
Business and organisations Ngā pakihi me ngā whakahaere
  • Income tax Tāke moni whiwhi mō ngā pakihi
  • Employing staff Te tuku mahi ki ngā kaimahi
  • KiwiSaver for employers Te KiwiSaver mō ngā kaituku mahi
  • Goods and services tax (GST) Tāke mō ngā rawa me ngā ratonga
  • Non-profits and charities Ngā umanga kore-huamoni me ngā umanga aroha
  • International Tāwāhi
  • More... Tāpiri atu…
Intermediaries and others Ngā takawaenga me ētahi atu
  • Tax agents Ngā māngai tāke
  • Bookkeepers Te kaikaute
  • PAYE intermediaries Ngā takawaenga PAYE
  • Payroll bureaus Ngā tari utu ā-rārangi
  • Digital service providers Ngā kaiwhakarato pūmanawa rorohiko
  • More... Tāpiri atu…
About us
  • About us
  • IR careers
News
  • Media releases
  • Updates
  • Subscribe
  • Seminars
Related Websites
  • Tax Technical
  • Tax Policy
  • International
Contact us
  • Contact us
  • Media queries
  • Tax Technical queries
  • Tax Policy queries
English
Register
myIR login
Inland Revenue
Home
Individuals and families Ngā tāngata me ngā whānau
Popular pages Ngā wharangi rongonui
Cost of Living Payment Utu mō te utu oranga IRD numbers Ngā tau IRD File my individual tax return Te tuku i tētahi puka tāke takitahi Support for families Ngā tautoko i ngā whānau Managing my tax Te whakahaere i taku tāke
More individuals and families
Familes Ngā whānau
Working for Families Working for families Child support Te tautoko tamariki Paid parental leave Te utu tiaki pēpi
Property and Trusts Ngā wharangi rongonui
Trusts and estates Ngā rōpū kaitiaki me ngā rawa tuku iho Property Ngā rawa
Individuals Ngā tāngata
Income tax for individuals Te tāke moni whiwhi mō ngā tāngata takitahi Non-residents Ngā kainoho-tāwāhi Self-employed Mahi ā-kiri Kiwisaver for individuals Kiwisaver mā te tangata takitahi Student loans Ngā pūtea taurewa ākonga Cryptoassets for individuals Ngā rawa whiti-rangi mā te tangata takitahi Unclaimed money
Situations Ngā āhuatanga
I am going overseas Kei te haere ahau ki tāwāhi I received an income tax assessment I whiwhi i ahau tētahi aromatawai tāke moni whiwhi I'm struggling to file and pay my tax
More situations
Business and organisations Ngā pakihi me ngā whakahaere
Popular pages Ngā wharangi rongonui
Covid-19 Businesses and organisations KOWHEORI-19 Ngā pakihi me ngā whakahaere File a companies income tax return - IR4 Te tuku i tētahi puka tāke moni whiwhi kamupene - IR4 Not-for-profits and charities PAYE calculator to work out salary and wage deductions Property Ngā rawa IRD numbers Ngā tau IRD
More business and organisations
Income tax Te tāke moni whiwhi
Types of business income Ngā momo moni whiwhi pakihi Tax rates for businesses Ngā pāpātanga tāke mō te pakihi Balance dates Ngā rā mutunga tau pūtea
GST Tāke hokohoko (GST)
Charging GST Te uta i te tāke hokohoko Claiming GST Te kerēme tāke hokohoko
Employing staff Te tuku mahi ki ngā kaimahi
Register as an employer Te rēhita hei kaituku mahi Paying staff Utu kaimahi Payday filing Te tāpaetanga rā utu Deductions from income Ngā tangohanga mai i ngā moni whiwhi Kiwisaver for employers Te KiwiSaver mō ngā kaituku mahi
International Tāwāhi
International tax for business Te tāke aowhānui mō ngā pakihi
Situations Ngā āhuatanga
I am starting a new business Kei te tīmata au i tētahi pakihi hou I am going to employ someone Kei te tuku mahi ahau ki tētahi tangata My business is making a loss Kei te hapa taku pakihi
More situations
Intermediaries and others Ngā takawaenga me ētahi atu
Intermediaries Ngā takawaenga
Becoming an intermediary Te tū hei takawaenga Getting authority to act Te whiwhi whakamanatanga Executive office holders Ngā kaipupuri tūnga whakahaere Linking client accounts Te honohono pūkete kiritaki Nominated person Te tangata kua whakaingoatia Tax pooling Te whakarōpū tāke Gateway services
More intermediaries and others
Tax agents Ngā māngai tāke
Agents answers Ngā Whakautu Māngai Tax agent status Te tūnga māngai tāke Extension of time arrangements Te whakaroa i ngā whakaritenga wā Managing consolidated groups Te whakahaere rōpū tōpū Income tax for individual clients of tax agents Te tāke moni whiwhi mā ngā kiritaki takitahi a ngā takawaenga News updates for tax agents
More tax agents
Digital service providers Ngā kaiwhakarato ratonga matihiko
Getting started guide About the developer portal Mō te tomokanga kaiwhakawhanake Gateway services architecture Te hanganga ratonga tomokanga Services catalogue Te putumōhio ratonga
More digital service providers
Roles Ngā tūranga
Tax agents Ngā māngai tāke Bookkeepers Ngā kaikaute PAYE intermediaries Ngā takawaenga PAYE Payroll bureaus Ngā tari ripanga utu kaimahi Other representatives Ētahi atu māngai
Search tips

Te tūhono i a KiwiSaver hei kaimahi Joining KiwiSaver as an employee

KiwiSaver
KiwiSaver
  • KiwiSaver for individuals
    • Joining KiwiSaver
      • Choosing a KiwiSaver provider
      • Joining KiwiSaver as an employee
      • Joining KiwiSaver if I'm self employed or not working
      • KiwiSaver if I'm already saving for my retirement
      • KiwiSaver providers
What
Most employees will be automatically enrolled if they are a New Zealand resident. If you are not enrolled, speak to your employer
Who
Residents between the ages of 18-65
When
From your employment start date
Rate
Choose from deduction rates of 3%, 4%, 6%, 8% or 10%

When you start a new job, your employer will automatically enrol you in KiwiSaver if you're eligible and:

  • you're between the ages of 18 and 65
  • your job is full time or permanent part-time
  • you're on a contract of more than 28 days
  • you’re a casual agricultural worker for more than 3 months
  • you're not already a KiwiSaver member.

If you do not get automatically enrolled, you can join by asking your employer, or directly with a KiwiSaver provider.

Your employer will give you a KiwiSaver information pack KS3.

You can choose the rate for your KiwiSaver deductions. They can be either 3%, 4%, 6%, 8%, or 10%. If you do not choose a rate your employer will deduct 3%. Deductions begin from your first pay. Your employer will also make compulsory contributions.

You have 8 weeks to see if you want to be in KiwiSaver or not. If you do not want to be in KiwiSaver, you can opt out.

Opting out of KiwiSaver

When we get your deduction details from your employer, we’ll put you into either:

  • one of the 9 default KiwiSaver providers
  • your employer’s chosen scheme if they have one.

You can choose to change the scheme you belong to at any time. Just contact your preferred scheme provider and they'll arrange for you to transfer into their scheme.

Holding your contributions when you're new to KiwiSaver

We hold your contributions for 2 months (62 days) from the date we're told you’re a new KiwiSaver member. After that we pass them on to your scheme provider. 

When you will not be automatically enrolled

You will not be automatically enrolled in KiwiSaver if you are:

  • under 18 years old or over 65
  • a casual agricultural worker
  • an election day worker
  • a private domestic worker and you pay your own PAYE
  • employed under a temporary contract for less than 28 days - however, if the contract is extended beyond 28 days you will be automatically enrolled on day 29
  • a casual employee who receives holiday pay with your wages
  • on paid parental leave or accident compensation 
  • staying on the same payroll when a business is taken over or amalgamated
  • relocating with the same employer fore example transferring between branches
  • only getting schedular payments
  • not required to have PAYE deductions made from your salary and wages
  • going back to an employer you were seconded from straight after the secondment finishes
  • already employed as a teacher and transfer to another state or state integrated school
  • an employee of the New Zealand State Services working overseas
  • a shareholder employee and your income is not subject to PAYE.

Choosing a KiwiSaver provider 

If you are an existing employee

Ask your employer for a KiwiSaver information pack KS3 and complete the KiwiSaver deduction KS2 form. Give it to your employer and they will start your KiwiSaver deductions from your next pay. You can also join directly with a provider.

If you join directly with a provider or if you opt-in you cannot opt out.

If you have more than one employer

If you have more than 1 employer at the time of joining you can choose which ones to have deductions from, Deductions will need to be made by any new employers after you join.

Working more than one job

If you start working a secondary job:

  • contributions should be deducted from any new jobs you start, as well as your main employment
  • all your employers will make compulsory contributions.

If you have multiple jobs prior to joining KiwiSaver, deductions are only required either from:

  • the job started at the date of joining KiwiSaver if you were automatically enrolled
  • the job you nominate if you opted-in. 

If you have multiple jobs after joining KiwiSaver, deductions are required from any new employment started since joining KiwiSaver. You can apply for a KiwiSaver savings suspensions to stop deductions from each job as required.

If deductions are being made from your pay, generally your employer will need to make compulsory employer contributions as well.

Two jobs with one employer

KiwiSaver deductions are taken from the total gross salary or wages paid by that employer regardless if this is for more than one position with the same employer.

Your introduction to KiwiSaver - employee information KS3 2022 (PDF 133KB) Download guide
KiwiSaver - a guide for children and young people KS33 2022 (PDF 465KB) Download guide

    Moving between Inland Revenue sites

    picto--truck

    Heads up. We're taking you to our old site, where the page you asked for still lives

    Continue to old site
    Last updated: 28 Jun 2021
    Jump back to the top of the page top
    Inland Revenue Inland Revenue

    FOLLOW US

    • Facebook
    • Twitter
    • Youtube
    • LinkedIn
    • Subscribe

    CONTACT US

    • Contact Information
      • Contact us
      • Media queries
      • Tax Policy enquiries
      • Tax Technical enquiries
    • About us
    • Careers
    • International

    SHARE THIS PAGE

    • Email this page
    • Linkedin
    • Facebook
    • Twitter

    SHARE THIS PAGE

    • About the site
    • Conditions of use
    • Privacy
    • Glossary
    • Accessibility
    • Copyright
    • MyIR Help
    © Copyright 2023 Inland Revenue
    New Zealand Government
    Shielded website