If you’re employed, you can choose to contribute 3%, 4%, 6%, 8% or 10% of your salary or wages to your KiwiSaver account.* You can now request to change your contribution rate by logging in to the mobile app, Fisher Funds Online, or by contacting our team.
After you submit your request, we’ll pass the details on to Inland Revenue. Once your employer receives the update from Inland Revenue, your new contribution rate will apply from your next pay period.
How to update using the mobile app
To request a change using the mobile app, simply click into your KiwiSaver account tab, select the three dots and choose ‘Change your employee contribution rate’.
How to update using Fisher Funds Online
To request a change using Fisher Funds Online, simply click into your KiwiSaver account tab, choose ‘Account options’, then ‘Change your employee contribution rate’.
Other ways to update your contribution rate
You can also request a change by completing a KiwiSaver deduction form (KS2) and giving it to your employer, or using your myIR account.
How often you can change your rate
You may change your contribution rate once every 92 days. If you've changed it recently, contact your employer directly to see if they agree to another change.
Got questions?
If you need any further information about how to change your KiwiSaver employee contribution rate, please contact us, and we’ll be happy to help you out.
*On 1 April 2026, the minimum employee and employer contribution rate of 3% will increase to 3.5%, and then to 4% on 1 April 2028. However, you can apply for a temporary rate reduction and contribute at a rate of 3%. There is no limit on the number of temporary rate reductions you can apply for.