AgriSmart’s task management tools make it easy to assign, track, and complete work across your farm. From seasonal harvests to daily maintenance, you can monitor progress in real time, allocate responsibilities to the right team members, and ensure nothing is missed. Keep your workflow organised, your team aligned, and every task visible in one central dashboard.
Salary Sacrifice Calculator
Setting wages for the season, or hiring someone new? If the deal includes a house or KiwiSaver, this works out exactly what your employee is paid in cash and what goes to KiwiSaver, so they get what you agreed. Enter a salary instead and it gives you what the job is worth in total.
- Employer KiwiSaver at 3.5%, or any rate you set
- Accommodation or rent, at any pay frequency
- Salaried and hourly staff
- Weekly, fortnightly, monthly and annual figures
Free to use, no sign-up.
Last reviewed: August 2026. Based on the KiwiSaver Act 2006, section 101B. Default employer contribution 3.5% from 1 April 2026.
AgriSmart Salary Sacrifice Calculator
Work out the total package value when the employer KiwiSaver contribution, accommodation and/or holiday pay as you go are included in what the employee is paid.
a year
hours
Taxable salary after sacrifice
$96,618.36
How it's calculated
The formula
A guide only. Assumes 52 weeks a year and does not calculate PAYE, ESCT, student loan or other deductions.
What this looks like for a real employee
A salaried employee with KiwiSaver included
A farm manager is offered $100,000 a year including the employer KiwiSaver contribution, paid weekly.
| Total package | $100,000.00 |
| Taxable salary | $96,618.36 |
| Employer KiwiSaver | $3,381.64 |
| Weekly gross | $1,858.05 |
| KiwiSaver each week | $65.03 |
OutcomeEnter $100,000 as the salary in AgriSmart and add the 3.5% before-tax deduction. The employee is taxed on $96,618.36 and $3,381.64 goes to their KiwiSaver.
An hourly employee with KiwiSaver included
An orchard worker is offered $30.00 an hour including the employer KiwiSaver contribution, working 40 hours a week.
| Rate offered | $30.00 an hour |
| Taxable rate | $28.99 an hour |
| Weekly gross at 40 hours | $1,159.42 |
| KiwiSaver each week | $40.58 |
| KiwiSaver over a year | $2,110.14 |
OutcomeEnter $30.00 as the hourly rate and add the 3.5% deduction. Because it applies to every pay run, the amounts move with the hours worked, so a short week recalculates on its own.
A salaried employee with accommodation and KiwiSaver included
A farm assistant is offered $85,000 a year including the employer KiwiSaver contribution and accommodation valued at $250 a week.
| Total package | $85,000.00 |
| Accommodation, $250 a week | $13,000.00 |
| Amount KiwiSaver applies to | $72,000.00 |
| Cash portion, $72,000.00 ÷ 1.035 | $69,565.22 |
| Taxable salary | $82,565.22 |
| Employer KiwiSaver | $2,434.78 |
OutcomeThe $85,000 splits three ways: $69,565.22 in cash, $13,000 in accommodation and $2,434.78 in KiwiSaver. Accommodation comes out before the KiwiSaver calculation, so the contribution is worked out on the cash portion only.
A fixed-term employee on holiday pay as you go
A seasonal farm assistant is on a nine month fixed-term agreement at $70,000 a year, including the employer KiwiSaver contribution and holiday pay as you go at 8%.
| Total package | $70,000.00 |
| Taxable salary, $70,000.00 ÷ 1.035 | $67,632.85 |
| Base salary, $67,632.85 ÷ 1.08 | $62,623.01 |
| Holiday pay, 8% | $5,009.84 |
| Employer KiwiSaver | $2,367.15 |
OutcomeThe $70,000 splits two ways: $67,632.85 of taxable salary and $2,367.15 of KiwiSaver. The 8% holiday pay sits inside the salary rather than on top, so KiwiSaver is worked out on the full $67,632.85.
Getting the agreement right
This only works where it has been agreed. Section 101B of the KiwiSaver Act 2006 allows the employer contribution to sit inside a single total figure, but only where that was negotiated in good faith and the terms of the employment agreement account for the amount of the compulsory contribution.
It has to be in the employment agreementNot a verbal understanding, and not just a payroll setting. The agreement needs to state that the figure includes the employer KiwiSaver contribution, and be clear enough that the employee can see what their cash pay actually is.
You cannot move existing staff onto it on your ownPutting someone already employed onto a total remuneration basis changes their terms and needs their agreement. It cannot be backdated.
Decide up front what happens if they stop contributingIf an employee takes a savings suspension or opts out, the compulsory employer contribution stops with it. Your agreement should say whether their cash pay rises to match. Settling that at signing avoids an argument later.
Accommodation needs its own written consentWhere rent is deducted from wages, the Wages Protection Act 1983 requires the employee's written consent to the deduction, and they can vary or withdraw that consent in writing. An accommodation agreement should sit alongside the employment agreement.
This is a summary, not legal advice. Have your employment agreement wording checked before you rely on it.
Setting it up in AgriSmart
Once the package is agreed, the setup takes a couple of minutes. AgriSmart works out the split on every pay run and shows it on the payslip, so it stays correct when hours change.
| 01 | Open the employee in Team ManagerHover over Setup, click Team Manager, then click the employee's name to open their profile. |
| 02 | Enter the full package as their payOn the Employment Details tab, enter the salary or hourly rate including the employer KiwiSaver contribution. For a $100,000 package, enter $100,000. Do not enter the reduced figure, AgriSmart works that out for you. |
| 03 | Add a new deductionClick the Payroll tab, scroll to Other Deductions, and click the plus icon. |
| 04 | Set it as a before-tax percentageTick Before Tax. Set Deduction Type to Percent Per Pay Period and enter 3.5. Choose the Salary Sacrifice category and give it a description the employee will understand on their payslip, such as KiwiSaver Employer Contribution. |
| 05 | Set the start date and saveUse the employment start date, or the date the employee opted into KiwiSaver, then click Save. |
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- Rosters
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- Spray Diary
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