Your contributions

Is there a KiwiSaver minimum contribution you need to make? What are the requirements if you’re employed, self-employed or not working? Find out how much you have to contribute – then consider how saving a bit more now could improve your lifestyle when you retire.


You have a choice of KiwiSaver contribution rates. If you earn a salary or wages, in most cases you’ll have to contribute an amount equal to 3%, 4%, 6%, 8% or 10% of your before-tax salary or wage – you decide the percentage. If you don't choose an amount, the default rate of 3% will apply.

Of course, you can choose to save even more.

See how a little extra each month makes a big difference in the long term.

Self-employed or not working?

You can contribute as much as you like, whenever it suits. Think about setting up a regular amount so you receive Government contributions. Find out more about these Government contributions.

Topping up

It’s easy to make regular contributions or top-ups to your Westpac KiwiSaver Scheme account by automatic payment or direct debit, or through online banking.

Discover why topping up can be a smart move for the future.

KiwiSaver for your children?

Set up KiwiSaver for your children then you, and they, can make voluntary contributions any time. If your child starts work, they’ll need to make the usual KiwiSaver employee contributions.