How to top-up your KiwiSaver account

Simply log on to the Fisher Funds Online Portal to make a one-off payment or set up a regular direct debit.

Top-up now » 

Click here to for alternative ways to top-up.

Who is eligible to receive Member Tax Credits?

You must be:

  • 18 years of age or older;
  • Mainly living in NZ; and
  • Not yet eligible to withdraw for retirement.

How do you ensure you maximise your Member Tax Credit?

You need to contribute $1,042.86 each KiwiSaver year to ensure you receive the maximum Member Tax Credit from the Government. The KiwiSaver year runs from 1 July to 30 June. Your contributions can be made up of employee and voluntary contributions.

You should qualify for your maximum Member Tax Credit entitlement if you’re:


  • contributing at least 3% to KiwiSaver and earn more than $35,000 each year; and
  • have been eligible and contributing for the full KiwiSaver year.

Self-employed/not employed/contributions holiday:

  • contributing $20 per week for the full KiwiSaver year; or
  • made one or more lump sum contributions totalling at least $1,042.86 in the KiwiSaver year
  • have been eligible for the full KiwiSaver year

If it doesn’t look like you’ll contribute at least $1,042.86 to your KiwiSaver account between 1 July and 30 June, you can top-up your KiwiSaver account to ensure you receive the full Member Tax Credit. We’ll send you an email reminder each year to make sure you don’t miss out on this money.

If you unable to contribute the full $1,042.86, the Government will still add $10 for every $20 you contribute (up to a maximum of $521.43), so every dollar you contribute will make a difference.

Top-up now » 


Your contributions Annual Government contribution
 $0  $0
 $250  $125
 $500  $250
 $1,000  $500
 $1,042.86  $521.43
 $1,500  $521.43
 $2,000  $521.43

If you’re only eligible for part of the KiwiSaver year, you’ll get part of the member tax credit. The calculation of the amount will be based on the number of days in the year you were eligible.

Joining KiwiSaver or turning 18 part-way through a year

If you join part-way through a KiwiSaver year (1 July to 30 June), you'll receive a MTC for the portion of the year that you've been a member.

Similarly, if you turn 18 during the KiwiSaver year you'll receive a MTC for the portion of the year that you were 18.

Reaching retirement age part-way through a year

If you reach your KiwiSaver retirement age part-way through a KiwiSaver year (1 July to 30 June), you'll receive a MTC for the portion of the year before you reached your KiwiSaver retirement age.

If you think you are entitled to a partial MTC amount and you would like to find out the maximum you can receive please contact us.

How do you claim your Member Tax Credit?

Fisher Funds claims the Member Tax Credit on your behalf once a year following the end of each KiwiSaver year (30 June). IRD are required to process the claim within 30 days of receipt. There is nothing for you to do. The MTC is paid directly into your KiwiSaver account.

Join or transfer — it's easy!

Join online now » or   Request an information pack »

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