Check your KiwiSaver against your payslip

Before you start

Go and get these — it makes the rest quick

Each part of this check comes off one document. Worth having them together before you start.

The most recent payslip you have. Paper or the PDF your payroll emails you — either is fine.

• Gross pay for this period — Top of the earnings section. The number BEFORE any tax or deductions.
• Your KiwiSaver deduction — In the deductions block, usually labelled KiwiSaver or KS EE.
• Employer contribution, BEFORE tax — Often labelled Employer KiwiSaver, KS ER, or Employer Superannuation. Some payslips show a gross figure and a net figure — you want the gross.

Your employment agreement, or the KiwiSaver election form you filled in when you joined.

• The contribution rate you chose — Your KS2 election form, or ask payroll. It is one of a small set of allowed rates.
• Is this a total remuneration contract? — Look for wording like 'total remuneration' or 'inclusive of KiwiSaver' in your agreement.

Last year's final payslip, or your IRD income summary for the year that has finished.

• Last year's gross salary or wages — The final YTD gross on last year's last payslip, or your IRD income summary.
• Last year's employer contributions — The final YTD employer contribution on last year's last payslip.

The statement from whoever holds your KiwiSaver — the annual one, or whatever your provider's app shows.

• Total contributions received this tax year — Your provider's transaction summary. Employee plus employer contributions received — not investment returns.
• Date the statement was produced — Top or bottom of the statement.

Everything you have personally put in since 1 July — through payroll and any lump sum you paid your provider directly.

• Your personal contributions since 1 July — Your provider's summary for the contribution year, plus anything you paid in directly.
• Your total income this year — Roughly is fine — I only use it to check whether you are above the income cap.

On a phone? Write the numbers down, or have the document next to you on paper. Swapping between tabs while holding a figure in your head is where people lose their place.

Missing one? Leave it blank and carry on. We check whatever we can and tell you exactly what the missing figure would have unlocked.

Takes a few minutes, saves as you go, and you can stop and come back. Checking is free whatever it finds.