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Service changes and updates IR offices, myIR and phone lines (SPK2IR) are unavailable until the morning of Thursday 28 October for planned system maintenance. Find out more

Resurgence Support Payment (RSP) You will not be able to apply for the RSP in myIR until the morning of Thursday 28 October. Businesses affected by the alert level increase that started on 17 August can apply in myIR from 28 October. Applications for a 4th payment round are planned to open on 29 October. Find out more

Resurgence Support Payment (RSP) The government has announced an increase to the amount and frequency of the RSP from 12 November. Find out more

Te huri i taku pāpātanga takoha ki KiwiSaver Changing my KiwiSaver contribution rate

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

Employees

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.

Non-employees

If you're not an employee then the contribution you pay will be set out in the contract you have with your KiwiSaver provider - for example, you're:

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

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.

Last updated: 02 Jul 2021
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