New Zealand KiwiSaver Calculator 2021
Calculate Employee & Employer Contributions
Introduction
🎯 What
New Zealand KiwiSaver Calculator 2021 estimates contributions and deductions under KiwiSaver for employees and employers according to 2021 regulations.
👥 Who
Employees enrolled in KiwiSaver, contributing employers, and payroll administrators.
💡 Why
To calculate contributions accurately, ensure compliance, and manage retirement savings planning.
💰 Income & Contributions
Total Contribution
Total Annual
$0.00
Employee + Employer + Voluntary
KiwiSaver Rates 2021
Contribution Rates
- Employee Options: 3%, 4%, 6%, 8%, 10%
- Employer Minimum: 3% of gross salary
- Voluntary: Any additional amount allowed
Calculation Logic
Contributions are based on gross salary.
- Employee = Salary * Rate
- Employer = Salary * 3% (or higher)
- Total = Employee + Employer + Voluntary
Calculation Examples
Example 1: Standard (3%)
Salary: $60,000 | Rate: 3%
Emp: $1,800 + Emplr: $1,800 = $3,600 Total
Example 2: High Contributor (10%)
Salary: $80,000 | Rate: 10% | Vol: $1,000
Emp: $8,000 + Emplr: $2,400 + Vol: $1,000 = $11,400
Frequently Asked Questions
Q: Who must contribute?
A: Employees enrolled and their employers must contribute.
Q: Can I choose my rate?
A: Yes, employees can choose 3%, 4%, 6%, 8%, or 10% of gross salary.
Q: Can I add voluntary contributions?
A: Yes, you can add extra voluntary contributions anytime.
Q: Is this official?
A: No, for informational purposes only.
⚠️ DISCLAIMER: This New Zealand KiwiSaver Calculator 2021 is for informational purposes only. Rates and rules are based on NZ KiwiSaver guidelines 2021. ANTIGRAVITY does not provide legal, accounting, or financial advice.