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Te whiwhi pūtea KiwiSaver ina tāoki Getting my KiwiSaver savings when I retire

What
Withdrawing your KiwiSaver savings and managing or continuing your contributions.
Who
Retired people.
When
You turn 65 years old.

You're eligible to withdraw all your KiwiSaver savings when you reach the age of eligibility (currently 65).  

Getting my KiwiSaver savings at 65

When you turn 65 you can still make contributions to your KiwiSaver account. Your employer may stop contributing, depending on your contract. 

Stopping your KiwiSaver contributions

If you receive a salary or wage and want to stop making KiwiSaver contributions, fill in a Non-deduction notice - KS51 and give it to your employer. They will stop making KiwiSaver deductions from your pay and stop making employer contributions.

Getting the government contribution

Once you turn 65 you are no longer eligible for the government contribution.

Restarting your contributions

If you're still a KiwiSaver member you can start contributing again whenever you like. Complete a KiwiSaver deduction form - KS2 and give it to your employer.

Last updated: 16 Jan 2026
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