Contribution rate

If you choose to make employee contributions (you don’t have to), the minimum contribution rate is 3% of your salary, but you can contribute as much as you like above that in 1% multiples.

ACC contributes 9% of your salary to your retirement savings regardless of what you contribute as an employee. These contributions are on top of your salary, and are taxed in line with your personal income tax.

Have a play on the calculator below to see how much you could save with different contribution rates.

This is how much you could save:


Fortnightly that works out as:

Your contribution


ACC's contributions


Less Tax (ESCT)


Total fortnightly contribution