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Income Tax · 2026/27

KiwiSaver Contributions

Compare employee contributions and their effect on take-home pay.

$

Your calculation

All amounts in New Zealand dollars.

Advanced options KiwiSaver, student loan & tax credit

IETC excludes relevant benefits, NZ Superannuation and qualifying Working for Families circumstances. Check eligibility. One main job, steady pay. No tailored tax codes or other income.

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A little clarity starts here

Your numbers,
in plain sight.

Enter your details and calculate to see your breakdown.

Using this calculator

Measure the effect of your employee contribution

Open Advanced options and choose the contribution rate you want to model. The headline is your own annual deduction from pay, not the total amount entering your retirement account.

Worked example

On $75,000, a 3.5% contribution is $2,625 a year; 4% is $3,000. The extra 0.5 percentage points reduce cash take-home by $375 a year, or $31.25 per average month, in this model.

How the result is built

Gross salary × employee contribution percentage = employee deduction. The tax calculation still uses the same gross salary.

Before you use the number

Employer contributions, ESCT, investment growth, fund fees and any government contribution are excluded from the headline. This is not a retirement-balance forecast.

Why does the calculator initially show zero?

The general salary form starts with no contribution selected so it does not assume enrolment. Choose the rate that actually applies to your pay.

Official source ↗ · How we prepare and correct content · Model reviewed 26 September 2026. Examples are illustrative.

How this tool works

Useful estimates. Clear assumptions.

The 2026/27 year runs from 1 April 2026 to 31 March 2027. We assume a New Zealand tax resident, one main employment, regular earnings and no other income. Figures are annualised estimates, not a payroll filing. Select IETC only after confirming full-year eligibility. Employer KiwiSaver, ESCT, benefits, child support and special deduction rates are excluded.

See calculation rules & official sources ↗
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