KiwiSaver Essentials
Our expert guides cover everything you need to know about your contributions, your employer's contributions, how KiwiSaver is taxed, hardship applications, first-home benefits and must-know fund selection tips
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Retirement in a Nutshell
(Read this first)- Retiring without savings means certain struggle. Superannuation payments are like welfare - they don't pay for any kind of lifestyle. Our guide explains everything you need to know to avoid the all too real 'pensioner poverty' trap
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Choosing your KiwiSaver provider
You can choose which scheme to join, even if you're provisionally allocated to an employer-chosen/default scheme
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Switching KiwiSaver Funds
Thinking about moving KiwiSaver funds? We explain what to consider and think about before making this important decision
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KiwiSaver and tax
KiwiSaver contributions are deducted from your before-tax pay, and our guide explains everything you need to know.
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Withdrawing your savings
If you joined KiwiSaver on or after 1 July 2019, you can withdraw your savings when you qualify for NZ Super (currently 65)
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Opting out of KiwiSaver
If you're a new employee who's been automatically enrolled, you can choose to opt out of KiwiSaver
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KiwiSaver Calculator
Our retirement calculator considers KiwiSaver contributions, how much you earn right now, how much you plan to spend during retirement, and how old you are, among other factors
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What's My PIR
Our guide covers everything you need to know to making sure you're paying the correct tax on investment fund earnings
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Guides |
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How to choose a KiwiSaver fund
Switching funds or joining KiwiSaver? We explain how to look for a fund based on your investing needs, fund performance and fees, as well as outlining why a default fund may not be suitable for your needs
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KiwiSaver First-Home Withdrawal
If you want to use your KiwiSaver balance for a house deposit, our guide explains everything you need to know
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KiwiSaver Hardship Applications
If you're a KiwiSaver member and struggling with your finances, our guide explains everything you need to do to ask for an early redemption
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KiwiSaver Fund Selection Guide
10 Must-Know Facts Revealing Everything You Need To Know About KiwiSaver
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KiwiSaver HomeStart Grant
Get a grant of up to $20,000 and access to your KiwiSaver fund for your first house or apartment deposit
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KiwiSaver for Kids
Our guide explains the pros and cons of KiwiSaver for kids, and outlines essential must-know facts and considerations
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Contributions |
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How to Check KiwiSaver
Keeping track of your KiwiSaver contributions is easy with 'My KiwiSaver'
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KiwiSaver Contributions - Gross or Net?
It’s a common question to ask if your contribution (and your employer’s 3% contribution) is calculated on your gross salary or salary after tax - in this guide, we explain everything you need to know
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Your KiwiSaver contributions
You can choose how much to contribute. Find out what happens when you go on leave, receive a benefit or entitlement, or have a tax debt
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Your employer's contributions
If you're a KiwiSaver member making contributions from your pay, your employer will also contribute to your KiwiSaver savings
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Government KiwiSaver Contributions
To help you save, the Government will make an annual contribution towards your KiwiSaver account as long as you meet certain conditions.
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K​iwiSaver Contributions Holiday
If you're wanting to take a break from contributing, our guide explains your options
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How to make voluntary contributions
Make voluntary contributions (or lump sum payments) at any time, either directly to your KiwiSaver provider or through Inland Revenue
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