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What is the KiwiSaver government contribution?
As long as you’re eligible, for every $1 you invest into your KiwiSaver account, the government may contribute 50 cents, up to a maximum amount of $521.43 each KiwiSaver year (from 1 July to 30 June).
To get your full KiwiSaver government contribution, you need to contribute $1,042.86 to your KiwiSaver account, that works out to just over $20 a week.
Both the contributions you make from your wages or salary, and any voluntary contributions are counted toward the government
contribution. Any contributions from your employer, Aussie super transfers or previous government contributions are not counted.
contribution. Any contributions from your employer, Aussie super transfers or previous government contributions are not counted.
Budget changes
The Government has announced some upcoming changes to KiwiSaver as part of Budget 2025. Read more about the planned changes and what they might mean for you. The good news: This year’s government contribution remains unchanged — if you’re eligible, you can still receive up to $521.43 if you contribute $1042.86 by 30 June 2025.
Who is eligible for the KiwiSaver government contribution?
To be eligible for the government contribution, you must:
- be a KiwiSaver member
- be 18 years of age or older
- not yet be entitled to withdraw your KiwiSaver investment
- live mainly in New Zealand
It's not just for employees
The government contribution is not just for employees. If you're self-employed, or not in paid employment you're still eligible – you just need to make voluntary contributions into your KiwiSaver account.
Every dollar counts
It's not a matter of all or nothing. If you can only manage to contribute $500 to your KiwiSaver account, the government will match this with $250. You will get 50 cents for every $1 you contribute up to $1,042.86.
How do I get the KiwiSaver government contribution?
If you have made contributions and you're eligible, you don't have to do anything more to claim your government contribution – we'll take care of it for you. You should see your government contribution in your KiwiSaver account by the end of August.
How do I find out if I'm on track?
You can check your progress towards this year’s government contribution by logging in to your online account or our mobile app. Alternatively, you can log in to your myIR account to check how you’re tracking. You’ll find the information for the current year under ‘Contributions summary’ in your KiwiSaver tab.
If you are still unsure, please call us on 0508 347 437 and our team will be able to help you out.
Your government contribution questions answered
What if I fall short this year?
That’s okay. You can still get some free money in your KiwiSaver account - whatever you contribute up to $1,043, the government will match with 50c to your dollar.
What information do I need to make a contribution via internet banking?
Log in to Fisher Funds Online or the app, click the deposit button to get the details for your online banking payment. Payments need to be made by 30 June 2025.
Can I withdraw my government contribution from my KiwiSaver account?
KiwiSaver is designed to help you save for your retirement or your first home so you can generally only access your money at those times. That includes your government contributions too.
You can check how you're tracking towards this year's government contribution any time by logging in to Fisher Funds online or the app.
Make the most of KiwiSaver with Fisher Funds.
Got questions about the government contribution? Talk to our team today. We are one of the largest specialist KiwiSaver providers in the country, helping nearly 500,000 Kiwis with their KiwiSaver investments.
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Ready to join?
Joining online only takes minutes and once you’re done, we’ll take care of the rest. Join online now, just make sure you have the following handy.
- IRD Number
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Please read the Fisher Funds’ Advice Disclosure to find out about our financial advice services.