Retirement saving made easy

KiwiSaver is a voluntary, work-based savings initiative with a range of membership benefits.

KiwiSaver benefits

KiwiSaver has a range of membership benefits including contributions from your employer and the Government, as well as help buying your first home.

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Member tax credit

To help you save, the Government will make an annual contribution towards your KiwiSaver account as long as you are a contributing member aged 18 or over.

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Compulsory employer contributions

If you're eligible, your employer will also contribute an amount equal to 3% of your pay to your KiwiSaver savings.

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Savings withdrawal for first home

You may be able to withdraw some or all of your KiwiSaver savings to put towards buying your first home.

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KiwiSaver HomeStart grant

After 3 years of contributing to KiwiSaver, you may be entitled to a KiwiSaver HomeStart grant. The grants are administered by Housing New Zealand and will be paid to your solicitor.