Green Accounting Services

25/03/2026

From 1 April 2026, the minimum KiwiSaver contribution rate nudges up from 3% to 3.5%. This is the legal reqirement to employers.

For employees, if now is not the moment for higher contributions, there’s an easy option.

You can apply to stick with 3% for a bit longer by requesting a temporary rate reduction.

It lasts 3 to 12 months and lets you keep saving without feeling the pinch straight away.

A few good-to-know bits:

• You apply through myIR
• IRD will remind you when the temporary period ends
• If you don’t reapply, your rate pops back up automatically
• Employers can choose whether they match the lower rate
• You can switch back early if things improve

If you want help figuring out what makes sense for you, we’re always keen to talk it through.

www.greenaccountsservices.com
[email protected]
0210539143

Sustainable NZ Accounting Services and Tax Agent at Green Accounting & Business Advice Limited.

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