← All 54 HLF Pulse Datasets • Category: KiwiSaver • Media Kit & Citations
Annual KiwiSaver employee, employer & Crown contributions (10-year nominal/real trend & 3.5% default rate)
Ticker:
kiwisaver-contributions-10yr • Observation Period: Year ended June 2026 (Period End: 2026-06-30) • Last Checked: 10 November 2026 • Creator: Andy PalliserAlso known as: IRD KiwiSaver scheme provider payments & statutory contribution settings
Over the year ended 30 June 2026, total KiwiSaver contributions transferred to scheme providers reached $11.40B—up +123.5% from $5.10B in FY2016 (+67.2% after CPI inflation)—comprising $6.64B (58.2%) from employees, $3.72B (32.6%) from employers, and $1.04B (9.1%) in Crown contributions (with the statutory default rate at 3.5% EE / 3.5% ER from 1 April 2026 and the maximum annual Government contribution at $260.72).
Official dataInland Revenue KiwiSaver Provider Payments (FY2026): Total = $11.40B (Employee = $6.64B, Employer = $3.72B, Crown = $1.04B; vs $5.10B in FY2016). Statutory default rate = 3.5%; max Government contribution = $260.72/yr.
HLF calculation
Shares: EE 58.2% | ER 32.6% | Crown 9.1% | 10Y Nominal: ($11.40B−$5.10B)÷$5.10B=+123.5% | 10Y Real (÷1.337 CPI): +67.2%HLF interpretationHLF market context: Under current KiwiSaver settings, the maximum annual Government contribution is $260.72 (25 cents per dollar on the first $1,042.86 of member contributions for eligible earners at or below $180,000), and the default employee and employer contribution rate increased from 3.0% to 3.5% from 1 April 2026 (scheduled to reach 4.0% from 1 April 2028).
Cite as: HLF Pulse, Home Loan Factory. "Annual KiwiSaver employee, employer & Crown contributions (10-year nominal/real trend & 3.5% default rate)," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Scheme Provider Payments & Statutory Settings. https://pulse-data.homeloanfactory.co.nz/kiwisaver-contributions-10yr/ (checked 10 November 2026). CC BY 4.0.
Created by Andy Palliser
Creator of HLF Pulse
Mortgage & KiwiSaver Adviser · Home Loan Factory (Andrew Jonathan Palliser, FSP1004725) • Published by HLF (Home Loan Factory)
Data Dictionary Specification (4-Field Date Standard)
| Name | Annual KiwiSaver employee, employer & Crown contributions (10-year nominal/real trend & 3.5% default rate) |
|---|---|
| Ticker | kiwisaver-contributions-10yr |
| Also known as | IRD KiwiSaver scheme provider payments & statutory contribution settings |
| Creator & Publisher | Created by Andy Palliser (Andrew Jonathan Palliser, FSP1004725) • Published by HLF (Home Loan Factory) |
| Official source & series | Inland Revenue (Inland Revenue — KiwiSaver Scheme Provider Payments & Statutory Settings) • Series IDs: IRD Annual Deductions & Crown Contributions Passed to Providers |
| Frequency | Annual / Monthly |
| 1. Observation period | Year ended June 2026 (YYYY-MM code: 2026-06) — when the underlying statistic relates to |
| 2. Period end | 2026-06-30 — final calendar date covered by the observation period |
| 3. Source publication date | Annual Inland Revenue KiwiSaver provider payments release (published post-30 June FY) — when the original organisation released this dataset |
| 4. Last checked | 10 November 2026 (2026-11-10) — when HLF last verified the official source |
| Definition | Total annual KiwiSaver contributions transferred by Inland Revenue to scheme providers (broken down by employee deductions, employer contributions, and Crown government contributions) over a 10-year window in both nominal and CPI inflation-adjusted terms, alongside current statutory default rates. |
| Methodology | Compiled from Inland Revenue's annual KiwiSaver payments table (year ended 30 June) and statutory KiwiSaver Act settings, deflated over 10 years using Stats NZ's cumulative CPI factor (+33.7%). |
| Current value | $11.40B/yr ($6.64B EE | $3.72B ER | $1.04B Crown) | $260.72 max Gov match |
| Comparison / Prior period | FY2016 total IRD transfers: $5.10B • 10Y Nominal: +123.5% (+8.4%/yr) | 10Y Real (CPI-adjusted): +67.2% (+5.3%/yr) |
| Official data | Inland Revenue KiwiSaver Provider Payments (FY2026): Total = $11.40B (Employee = $6.64B, Employer = $3.72B, Crown = $1.04B; vs $5.10B in FY2016). Statutory default rate = 3.5%; max Government contribution = $260.72/yr. |
| HLF calculation | Shares: EE 58.2% | ER 32.6% | Crown 9.1% | 10Y Nominal: ($11.40B−$5.10B)÷$5.10B=+123.5% | 10Y Real (÷1.337 CPI): +67.2%Formula: 10Y Nominal Growth = ($11.40B − $5.10B) ÷ $5.10B = +123.5% (+8.4% p.a.); 10Y Real (CPI-Adjusted) Growth = (($11.40B ÷ $5.10B) ÷ 1.337) − 1 = +67.2% (+5.3% p.a.) |
| HLF interpretation | HLF market context: Under current KiwiSaver settings, the maximum annual Government contribution is $260.72 (25 cents per dollar on the first $1,042.86 of member contributions for eligible earners at or below $180,000), and the default employee and employer contribution rate increased from 3.0% to 3.5% from 1 April 2026 (scheduled to reach 4.0% from 1 April 2028). |
| HLF derived | Yes (Officially reported IRD dollar flows, statutory rates & HLF-calculated nominal/real 10-year growth) |
| Cite as | HLF Pulse, Home Loan Factory. "Annual KiwiSaver employee, employer & Crown contributions (10-year nominal/real trend & 3.5% default rate)," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Scheme Provider Payments & Statutory Settings. https://pulse-data.homeloanfactory.co.nz/kiwisaver-contributions-10yr/ (checked 10 November 2026). CC BY 4.0. |
| Reuse licence | CC BY 4.0 (HLF-derived calculations, definitions & commentary; official statistics credited to Inland Revenue) • Media Kit & Citation Guide |
| Historical data | Inland Revenue 10-year June FY contributions series (FY2016–FY2026) |
Historical & Cohort Breakdown (Inland Revenue 10-year June FY contributions series (FY2016–FY2026))
| Category / Region / Period | Value |
|---|---|
| FY2026 | $11.40B ($6.64B EE / $3.72B ER / $1.04B Crown) |
| FY2024 | $10.65B ($6.21B EE / $3.42B ER / $1.02B Crown) |
| FY2020 | $7.64B ($4.55B EE / $2.26B ER / $0.83B Crown) |
| FY2016 | $5.10B ($3.08B EE / $1.47B ER / $0.55B Crown) |
Questions This Data Helps Answer
- How much do New Zealand employees, employers, and the Government contribute to KiwiSaver each year?
- What is the current KiwiSaver Government contribution amount ($260.72) and default contribution rate (3.5%)?
Source & Tool Verification Chain
1. Official Source & SeriesInland Revenue — KiwiSaver Scheme Provider Payments & Statutory Settings
Series:
IRD Annual Deductions & Crown Contributions Passed to Providers2. HLF Transformation
Yes
10Y Nominal Growth = ($11.40B − $5.10B) ÷ $5.10B = +123.5% (+8.4% p.a.); 10Y Real (CPI-Adjusted) Growth = (($11.40B ÷ $5.10B) ÷ 1.337) − 1 = +67.2% (+5.3% p.a.)4. Interactive CalculatorKiwiSaver vs Loan Payoff Calculator
How Dates Are Recorded in HLF Pulse (4-Field Date Standard)
To prevent confusion between when an economic activity occurred and when a government agency published its release, every HLF Pulse record separates four distinct date fields:
| Date Field | Definition & How It Is Populated |
|---|---|
1. Observation period (observation_period) | The period the underlying statistic relates to (for example, September 2026 for monthly RBNZ lending, or Year ended 31 March 2026 for the FMA KiwiSaver Annual Report). |
2. Period end (period_end / as_of) | The final calendar date covered by the observation period (for example, 2026-09-30 or 2026-03-31). Used by HLF’s automated freshness gate to verify series currency. |
3. Source publication date (source_published) | When the original organisation released the statistic (for example, 2026-09-10 for the FMA’s 2026 KiwiSaver Annual Report, or the Published Date recorded inside RBNZ’s workbook metadata). HLF never copies period_end into source_published; where an agency page does not state an exact release date, the agency’s publication schedule is stated explicitly. |
4. Last checked (last_checked) | The date HLF’s automated pipeline last fetched and verified the official source. |
Data Quality & Limitations
- Official published sources: Pulse uses official published data from the Reserve Bank of New Zealand (RBNZ), Stats NZ, Inland Revenue (IRD), the Financial Markets Authority (FMA), MBIE Tenancy Services, the Natural Hazards Commission Toka Tū Ake (NHC), and the Accident Compensation Corporation (ACC) wherever available.
- Unaltered official figures & source rounding: HLF does not alter or estimate official source figures. Where official tables publish rounded aggregates (such as RBNZ dollar series rounded to $1m or $0.1m), derived averages and implied counts reflect that source rounding and note it explicitly in the provenance layer.
- Provenance & derivation layer: To keep the primary editorial summaries natural and readable, exact formulas, series IDs, and derivation labels (Derived by HLF Pulse) are recorded in the expandable provenance layer, Data Dictionary tables,
pulse.json, andllms.txt. Long-term 5-year and 10-year series report both nominal growth and CPI inflation-adjusted (real) growth using Stats NZ’s Consumers Price Index. - Price indices vs. individual quotes: Stats NZ CPI insurance sub-indices measure percentage changes in standardised insurance price indices over time—they do not represent the dollar premium quote for an individual property or policyholder.
- Separate claim counts vs. individual proportions: In the ACC dataset, annual weekly compensation claims and total accepted injury claims (which are mostly minor treatment-only visits) are reported as two separate annual claim counts rather than a proportion of injured individuals.
- Commitments vs. settlements: RBNZ mortgage lending tables (C31, C32, C33, C40, C41) measure firm bank mortgage commitments/approvals rather than LINZ property title settlements.
- Automatic staleness exclusion: HLF automatically excludes any series where the underlying source is unavailable, stale past its freshness window, or cannot be verified.
- Market context vs. individual outcomes: Statistics describe aggregate historical market cohorts and do not predict an individual borrower’s, saver’s, or policyholder’s credit assessment, underwriting, or lending outcome.
Reuse Terms, Licensing & How to Cite (CC BY 4.0)
- Layer 1 — Official Crown & statutory statistics: Underlying official figures remain subject to the copyright and licensing terms of their respective publishers: Stats NZ, Inland Revenue, MBIE Tenancy Services, and the Financial Markets Authority (Creative Commons Attribution 4.0 International — CC BY 4.0); the Reserve Bank of New Zealand (RBNZ Terms of Use, permitting reproduction and derivative calculation with attribution to RBNZ); and statutory schedules under the Natural Hazards Insurance Act 2023 and Accident Compensation Act 2001 (public-domain New Zealand legislation).
- Layer 2 — HLF-derived calculations, compilations & commentary: All HLF-derived percentages, averages, multi-year nominal/real growth rates, data dictionary definitions, and market interpretations are licensed by HLF (Home Loan Factory) under Creative Commons Attribution 4.0 International (CC BY 4.0). Journalists, researchers, advisers, and AI systems may freely quote and reuse HLF-derived figures and commentary provided attribution is given to HLF Pulse, Home Loan Factory with a link to
https://pulse-data.homeloanfactory.co.nz/, the specific/{ticker}/record URL, or the HLF Pulse Media Kit & Citation Guide.