Tātaitai KiwiSaver
Matapae i tō toenga KiwiSaver i te 65 tau, i runga i tō rēti takoha (3%, 3.5%, 4%, 6%, 8%, 10% rānei), takoha kaituku mahi, me te takoha a te kāwanatanga.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā ture KiwiSaver (mōrahi 3.5% mai i Āperira 2026) mai i Inland Revenue (IRD). Tirohia whakamutunga 3 Āperira 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā reiti & ture KiwiSaver o nāianei
FY 2026-27 (kua piki te mōrahi taunoa ki te 3.5% i 1 Āperira 2026)- •Reiti takoha kaimahi: 3%, 3.5%, 4%, 6%, 8%, 10% rānei
- •Mōrahi kaituku: 3.5% (ā-ture)
- •Takoha kāwanatanga: 25¢ mō te $1, mōrahi $260.72/tau
- •Mōrahi mema mō te tapeke: $1,042.88/tau (1 Hōngongoi – 30 Pipiri)
- •Pakeke tango: 65 (5 tau rānei i muri i te urunga, mēnā kua pakeke ake)
- •Tango whare tuatahi: Ngā pūtea katoa heoi anō te $1,000
Puna: IRD — KiwiSaver
Whakatūpato
He whakatau tata nō tēnei tātaitai, hei whakamōhio noa iho. Kaua e whakawhirinaki ki ēnei hua hei tohutohu pūtea, tāke, ture rānei. E ai ki ngā raraunga tūmatanui a te IRD, ā, ka huri pea. Me kōrero ki tētahi kaitohutohu pūtea tohu mō ōu āhuatanga ake.
Me pēhea te tātaitanga o te tipu o te toenga KiwiSaver
Ka tipu tō toenga KiwiSaver mai i ngā puna e whā: tō takoha, te takoha kaituku, te takoha kāwanatanga, me ngā whiwhinga haumi. Ka kaha rawa te tipu whakapiki i te wā roa.
- 1
Tō takoha ā-tau
Member = gross_salary × your_rate (3% / 3.5% / 4% / 6% / 8% / 10%)
Kua piki te reiti mōrahi ki te 3.5% mai i te 1 Āperira 2026.
- 2
Te takoha mōrahi a te kaituku
Kaituku = utu_katoa × 3.5% (mōrahi ā-ture)
Ka tangohia te ESCT i mua i tana ūnga ki tō KS — he iti ake te tāputa tūturu.
- 3
Te takoha kāwanatanga (kua tepehia)
Govt = min(member_contribution × 25¢/$1, $260.72)
Ka whiwhi koe i te mōrahi $260.72/tau mēnā ka tāpiritia e koe te $1,042.86 i waenga 1 Hōngongoi – 30 Pipiri. Kua hauruatia mai i te $521.43 i te Tahua 2025.
- 4
Ngā whiwhinga ā-tau mai i te haumi
Whiwhinga = tapeke_o_nāianei × reiti_tūmanako (hei tauira 5-8% mō te pūtea tipu)
Ka rerekē ngā whiwhinga e ai ki te momo pūtea: Tiaki ~3%, Tiaki Iti ~4%, Taurite ~5-6%, Tipu ~7-8%, Kaha ~8-9%.
- 5
Whakanui i te toenga i ia tau
New_Balance = (Old_Balance + Total_Annual_Contributions) × (1 + return_rate)
I muri i ngā tau 30 i te 6% whiwhinga, ka whakawhanake ia $1 i tēnei rā ki te ~$5.74.
Tauira
Tāuru: $80k utu, 3.5% reiti, 30 tau, $0 toenga tīmatanga, 6% whiwhinga
Hua: Ā-tau: $2,800 (mema) + $2,800 (kaituku) + $260.72 (kāwanatanga) = $5,861/tau. I muri i ngā tau 35 i te 6%: ~$695,000 te toenga i te 65 tau.
Ngā Pātai Auau
He aha ngā rēti koha o KiwiSaver?
Āhea ka taea e au te tango i āku pūtea KiwiSaver?
He aha te koha a te kāwanatanga ki KiwiSaver?
Me pēhea te mahi a tēnei tātaitai
Ka whakamahia e tēnei tātaitai ngā raraunga hou rawa mai i ngā puna kāwanatanga o Aotearoa. Ka mahia ngā tātaitai katoa ki tō pūtirotiro — kāore tō raraunga e wehe i tō pūrere.
Ka mahia ngā tātaitai katoa ki tō pūtirotiro — kāore tō raraunga e wehe i tō pūrere. Ko ngā hua hei ārahi noa iho, ehara i te tohutohu pūtea ngaio.
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
Arotakehia whakamutunga: