{"dataset":"nz_kiwisaver","source":"Inland Revenue (IRD) — KiwiSaver changes","source_url":"https://www.ird.govt.nz/kiwisaver-changes","licence":"Crown copyright / NZGOAL CC BY 4.0","note":"Default KiwiSaver contribution rate (employee and matching employer). Source page JS-rendered; verified via headless browser 2026-07-15. The default rate rises 3% -> 3.5% (1 Apr 2026) -> 4% (1 Apr 2028); members can apply for a temporary reduction to 3%.","extracted_at":"2026-07-15","default_rate_pct":3.5,"default_rate_from":"2026-04-01","employer_matches_default":true,"schedule":[{"from":"2028-04-01","to":null,"employee_default_pct":4,"employer_default_pct":4},{"from":"2026-04-01","to":"2028-03-31","employee_default_pct":3.5,"employer_default_pct":3.5},{"from":"2021-04-01","to":"2026-03-31","employee_default_pct":3,"employer_default_pct":3}],"government_contribution_income_cap_nzd":180000,"employer_contribution_min_age_from_2026":16}