An easy and affordable way to save for your retirement


We all know that saving for retirement is important. KiwiSaver can be a great way to start.

Why is KiwiSaver important?

For most of us saving a little on a regular basis over a long time (while not very exciting) will help build up a great little nest egg. KiwiSaver has been designed to get you started and makes it easy to save from your pay. In fact you don’t have to be employed to join KiwiSaver and still be eligible for many of the benefits.

It's never too early or too late to join KiwiSaver and take up some of the advantages it has to offer.  

What is KiwiSaver?

KiwiSaver is a voluntary work-based savings scheme set up by the government to encourage New Zealanders to save for retirement.

If you're employed, you can choose to contribute 3%, 4% or 8% of your gross (before-tax) wage or salary to your KiwiSaver account. Your employer has to contribute as well – at least 3% of your gross salary.

Who can join KiwiSaver

To be able to join KiwiSaver you don't have to be employed, but you do have to be:

  • A New Zealand citizen, or entitled to live in New Zealand indefinitely
  • Living or normally living in New Zealand
  • Below the age of eligibility for NZ Super (currently 65)

Find out more about who can and can’t join on the Inland Revenue KiwiSaver website.

How to join KiwiSaver

There are three ways to join KiwiSaver:

  • Automatic enrolment when you start a new job
  • Opting in though your employer
  • Opting in through a KiwiSaver provider

If you’re self-employed or not employed, you can join by contacting a KiwiSaver provider and arranging a regular contribution amount. Here's a list of KiwiSaver providers.

The benefits of KiwiSaver


KiwiSaver has been designed by the government to help all New Zealanders under the age of 65 save for their retirement.

KiwiSaver has a number of unique benefits, including the annual government contribution, employer-matching contributions and first-home buyer benefits. There are many companies that provide KiwiSaver accounts, and KiwiSaver providers each offer a range of investment options.

The right KiwiSaver fund for you

Before you choose a KiwiSaver provider, however, it's really important to find the right fund for you. This is not always easy. You can get expert advice from an authorised financial adviser. Or visit our KiwiSaver fund finder to find the right type of fund for you and compare the many KiwiSaver providers and funds out there.

The earlier you include KiwiSaver in your retirement planning, the more savings you'll have to enjoy.

If you've been automatically enrolled and not sure who your provider is, call 0800 KIWISAVER or log in to My KiwiSaver.

Find out more about how to join KiwiSaver from the KiwiSaver website and start saving for retirement.