KiwiSaver for individuals

What

KiwiSaver is a savings plan designed to help set you up for retirement

Who

New Zealand residents, of any age, whether they are working or not

Rate

Employee contributions can be 3%, 4%, 6%, 8% and 10% of salary

KiwiSaver is a savings scheme designed to help set you up for your retirement. Most members will build up their savings through regular contributions from their pay.

If you're not working, you can make KiwiSaver contributions directly through your scheme provider.

KiwiSaver member benefits if you are eligible, include contributions from your employer and the Government, as well as help to buy your first home.

The KiwiSaver scheme has been made to help its members buy their first home and save for their retirement.

Pages in this section

How KiwiSaver works Your KiwiSaver savings are made up of contributions to your account, plus or minus investment returns, minus any withdrawals, fees and taxes.
KiwiSaver benefits KiwiSaver includes contributions from your employer and the Government.
Taxing KiwiSaver income You pay tax on the money your KiwiSaver investment earns.
Opting out of KiwiSaver You can opt out if you've been automatically enrolled.
Growing my KiwiSaver You, your employer and the government contribute to your KiwiSaver.
Getting my KiwiSaver when I retire You are generally eligible to withdraw your KiwiSaver funds when you turn 65 years old.
Getting my KiwiSaver funds early If you’re buying your first home, emigrating, or suffering financial hardship or serious illness you may be able to get some, or all your savings early.
Making changes to my KiwiSaver scheme When your situation changes, you can change how you manage your KiwiSaver scheme.
Joining KiwiSaver
New Zealanders that normally live here can join KiwiSaver. Find out about joining KiwiSaver, choosing KiwiSaver providers and see the list of KiwiSaver providers available.

Kiwisaver mā te tangata takitahi KiwiSaver for individuals