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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.

Homes, hardship and moving overseas

Understand the different withdrawal grounds, evidence and provider processes.

Funds and providers

Understand fund types and the difference between changing a provider and changing an investment option.

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

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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