New Zealand · KiwiSaver
Get clearer on your KiwiSaver.
Understand contributions, first-home withdrawals, fund types and changes that may affect your savings.
Choose the topic that matches the decision in front of you. The guides explain the rule or concept, then show which dates, account details or official process need checking.
Guides
Start with the question closest to yours
Choose the situation you want to understand, then follow the connected pages when your question crosses more than one topic.
Contributions and government support
Separate employee, employer and government contributions, including current rate-change mechanisms.
KiwiSaver contributions: current rates and recent changes
Understand contribution rates and the difference between a standard rate change and a temporary reduction.
Information checked: 29 September 2026
KiwiSaverUnderstanding the KiwiSaver government contribution
Understand the annual payment, eligibility conditions and the contribution period.
Information checked: 29 September 2026
KiwiSaverReducing or pausing KiwiSaver contributions
Compare the mechanisms for changing contributions and the details to check first.
Information checked: 29 September 2026
Homes, hardship and moving overseas
Understand the different withdrawal grounds, evidence and provider processes.
Using KiwiSaver for your first home
Explore the requirements and preparation involved in a first-home withdrawal.
Information checked: 29 September 2026
KiwiSaverKiwiSaver withdrawals for hardship or serious illness
Understand the separate withdrawal processes and where to seek help with an application.
Information checked: 19 September 2026
KiwiSaverMoving overseas: what happens to your KiwiSaver
Explore how an overseas move can affect KiwiSaver and why the destination matters.
Information checked: 29 September 2026
Funds and providers
Understand fund types and the difference between changing a provider and changing an investment option.
Conservative, balanced and growth funds: the differences
Understand how fund types differ, without a one-size-fits-all recommendation.
Information checked: 29 September 2026
KiwiSaverChanging your KiwiSaver provider or fund
Understand the difference between a provider move and a fund change.
Information checked: 29 September 2026
Wider topics
When the question has several parts
These pages connect the main routes, terms and decisions before you move into a narrower question.
Changes and dates
Check what is in effect and what is still upcoming
An effective date tells you when a setting applies. The information-checked date tells you when the source behind the summary was reviewed.
KiwiSaver contribution rates and temporary reductions
The default employee and matching employer rate moved to 3.5%, while an approved temporary reduction can keep an employee rate at 3% for a limited period.
Information checked: 19 September 2026
In effect from 1 April 2026
Information scope
Know when the general answer is not enough
These guides explain general KiwiSaver information. Choosing a provider, fund, contribution setting or personal withdrawal approach may need licensed financial advice.
- New Zealand context.
Country-specific rules and processes stay separate from information about other places. - Current documents.
Official pages, policy wording and dated notices can change the answer. - Personal circumstances.
Eligibility, recommendations and individual outcomes sit outside these general guides.
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