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Getting the KiwiSaver government contribution


Each year the government will contribute up to $521.23 towards your retirement savings. You don’t need to do anything to claim this contribution because your KiwiSaver provider will do this for you.

Getting the maximum government contribution

The maximum government contribution is $521.43. To get it all you must save at least $1042.86 of your own money between 1 July to 30 June each year. Employer contributions, past government contributions and funds moved from Australian retirement schemes do not count.

You can contribute through:

  • salary and wage deductions
  • payments to Inland Revenue
  • payments to your scheme provider.

If you’re a bit short, you can make a voluntary top-up by 30 June.

Getting some of the government contribution

Even if you have not saved the full amount, you still get 50 cents for every dollar you put in between 1 July and 30 June.

You will not get the full contribution if:

  • you turn 18 part-way through the year
  • you join part-way through the year
  • you turn 65 part-way through the year and have been a KiwiSaver member for 5 years or more.

If you join, turn 18 or reach 65 part-way through the year the government contribution is based on how many days in the year you've been a member.

The government contribution payment date

Your Kiwisaver provider applies for the contribution after 30 June. Check your My KiwiSaver after the end of July to see if it's in there yet. It may take until the end of August.

If you believe you should have some or all of the contribution and you cannot see it in your account, contact your provider.