KiwiSaver

Who can join

New Zealand citizens and people entitled to live here indefinitely (residents) who live in New Zealand. You cannot join on a work, student or visitor visa; you can once you are a resident.

How much goes in

• You: 3.5% of your pay by default since 1 April 2026, rising to 4% on 1 April 2028. You can choose a higher rate, or ask for a temporary reduction to 3%.
• Your employer: at least 3.5% on top, rising to 4% in 2028.
• The government: 25 cents for every dollar you put in, up to $260.72 a year. It is not paid if your income is over $180,000.

Choosing a fund

Funds differ in risk and fees. Compare them on the Smart Investor tool from the Financial Markets Authority, or ask a licensed financial adviser.