KiwiSaver answer
What are the KiwiSaver contribution rates now, and what changed in 2026?
As checked on 7 September 2026, the default employee rate is 3.5%, with employee choices of 3.5%, 4%, 6%, 8% or 10%. The default employee and matching employer rate rose to 3.5% from 1 April 2026 and is scheduled to rise to 4% from 1 April 2028.
Answer
If you still think the default is 3%, check the current IRD settings. This is exactly the kind of KiwiSaver fact that needs a fresh source check.
The default changed in 2026
Current source notes record the 1 April 2026 rise to 3.5% and the scheduled 1 April 2028 rise to 4%, subject to current law and settings.
Contribution choices still exist
Employee contribution choices listed in the research are 3.5%, 4%, 6%, 8% and 10%.
What to check next
- Use this guide before changing settings.
- Rates and effective dates need a fresh source check before you rely on them.
- Changing contributions can affect employer and government contributions.
Sources for this answer
Public information is explained in plain English, with links back to the official or public sources used for this answer.
Related questions
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Understand the current KiwiSaver government contribution settings, with a strong source-check note.
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