KiwiSaver take-home pay calculator
See how much KiwiSaver comes out of each pay and how different contribution rates change your take-home pay.
Your results
Your estimated take-home pay
$1,021.24a week
$53,105 a year · effective tax rate 20.6%
| Gross pay | $1,346.15 |
|---|---|
| PAYE income tax | −$254.24 |
| ACC earners’ levy | −$23.55 |
| KiwiSaver | −$47.11 |
| Take-home pay | $1,021.24 |
Take-home across pay cycles
weekly
$1,021
fortnightly
$2,042
monthly
$4,425
annual
$53,105
Estimate for the 2026/27 tax year. Your actual pay may vary with your tax code and rounding.
How KiwiSaver affects your pay
Your KiwiSaver contribution is a percentage of your gross salary or wage. A higher rate builds your retirement savings faster but lowers your weekly take-home pay. Use the KiwiSaver dropdown above to compare rates side by side.
Common questions
What is the default KiwiSaver rate for 2026/27?
From 1 April 2026 the default minimum employee contribution rate rose to 3.5% (up from 3%). You can also choose 4%, 6%, 8% or 10%. If you can’t afford 3.5%, you can apply to temporarily stay at 3%.
Does my employer contribute too?
Yes. Your employer must contribute at least 3.5% of your gross pay on top of your wages from 1 April 2026, subject to employer superannuation contribution tax (ESCT). This calculator focuses on your own deduction and take-home pay.
Is KiwiSaver taken before or after tax?
Your employee KiwiSaver contribution is calculated on your gross (before-tax) pay and deducted from your net pay. PAYE income tax is still worked out on your full gross salary.