Contributions are taxed before they hit your KiwiSaver balance. Once your money is in your KiwiSaver account, only the gains are taxed. Check out the details below.


How it's taxed

Employee Contributions

PAYE through your paycheck

Employer Contributions

ESCT before their contributions enter your KiwiSaver account

Government Contributions


Gains in your KiwiSaver Investment

PIR at 10.5%, 18.5% or 28% depending on your income for the last few years

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