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What The New KiwiSaver Rates Mean For Your Pay And Future

Your KiwiSaver settings look small until you do the maths. We sit down with Dave to talk through the April 2026 shift to a 3.5% employee contribution rate, why most people stayed there, and how that extra 1% can translate into real money over decades. If you’ve ever wondered whether changing your KiwiSaver contribution rate is “worth it”, we break it down in plain language, using the kind of weekly numbers that actually match real life.

We also get practical about habits, especially for young Kiwis starting work. Setting KiwiSaver to 10% from day one can be a game-changer because you build…

The skinny

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