One of the great things about KiwiSaver is that when you put money in, the government adds a little extra too. While it’s less than it used to be, for every dollar you put in (up to a maximum of $1,042), the government still adds 25 cents to your KiwiSaver account. That’s an extra $260 every year that you don’t want to miss out on.
How your $260 can add up
The government contribution isn’t just a one-off. You'll receive it every year you're eligible and meet the criteria, which can make a real difference over time. Get the full amount for 10 years and that’s $2,600 added to your KiwiSaver, not to mention those earlier government contributions having already been invested and able to generate returns along the way.
That’s the thing about long-term investing. The money you add earlier has more time to work for you. Use our Savings Calculator to see how your contributions, including the KiwiSaver government contribution, could grow over time.
The sooner you start, the better off you’ll be
Like anything in investing, time is your best friend. That’s why the rules were recently updated to extend government contributions to KiwiSaver members aged 16 and up.
If you’re self-employed or don’t make regular contributions, it’s well worth adding the minimum. Just add $1,042 before 30 June each year. This works out to be about $21 a week, and the government adds 25% on top. That kind of return is always worth having.
Am I eligible for the government contribution?
Most KiwiSaver members can receive the government contribution, as long as you meet a few criteria. You must:
be a member of a KiwiSaver scheme; and
be between the ages of 16 and 65; and
have a total taxable income of $180,000 or less per year; and
mainly live in New Zealand
If you’re turning 16 or 65 this year, you may still qualify for a part‑year government contribution based on the time you’re eligible. If that applies to you, get in touch and we can help work it out.
Check how you’re tracking
You can see whether you’re on track using our government contribution tracker. Just log in to Fisher Funds Online or the mobile app to see whether you’re on track. You can also check your contributions through Inland Revenue by logging into your MyIR account. If you’re falling a little short, topping up is easy.
Need to add a top-up?
For most people, the easiest way to add money is through the Fisher Funds app or online portal. If you’re with ASB, ANZ, BNZ or Westpac, simply log in, select your Fisher Funds KiwiSaver account and choose Add funds to contribute using our secure open-banking payment feature.
If you’re with a different bank, you can make a contribution via your bank’s internet banking. Just use your account number and surname as the reference, and make sure your payment is made by 25 June 2026 so that it reaches your account before the 30 June cut-off.
Talk to us
If you’ve got questions about your KiwiSaver account, or how you can make contributions, our friendly team are here to help. You can drop us an email, call us on 0508 347 437, or chat with us online.
