If you've been in KiwiSaver for 12 months, and you're between age 18-65, AND you've contributed at least $1,043 into your account between 1 July and 30 June, you're eligible to receive a full government contribution of $521. If you joined KiwiSaver for the first time during the year, turned 18 or 65, or contributed less than $1,043, you may be eligible for a partial government contribution. Note that only employee and voluntary contributions count towards the government contribution eligibility (i.e. employer contributions don't count).
Have I contributed enough?
Employee contributions – To find out exactly how much you've contributed for the current KiwiSaver year, please go to MyIR on the IRD website. Log in, select 'KiwiSaver member' and view 'deductions from salary/wages'.
Voluntary contributions – For contributions sent directly to Simplicity you can filter your contributions under Transactions when you're logged into your Simplicity account.
Please note if you've made an online payment directly to your KiwiSaver provider, it won't be recorded by the IRD, but it will be included in the calculation for your government contribution eligibility.
What if I transferred to Simplicity during the year?
Any employee contributions paid to your previous KiwiSaver provider do count towards your government contribution but they aren't visible on your online Simplicity account. We recommend checking the MyIR section on the IRD website to view your total employee contributions if you've changed KiwiSaver providers during the year.
Making a voluntary contribution
For information on how to make a voluntary contribution payment to your account, please see the FAQ - 'How to make a voluntary contribution when you're logged into your online access'. Please note processing can take a few days from when you initiate the transaction so please send the funds with plenty of time prior to the 30 June cutoff to qualify for that year's government contribution.
If you're eligible AND have contributed enough to your KiwiSaver account, we will claim the government contribution automatically on your behalf and it will arrive in your account during July.
If you're self-employed, or working as a contractor or sole trader, you'll need to make voluntary contributions to your KiwiSaver account. To make a voluntary contribution to your Simplicity account, please log in to your account and click the ...
The timeframes we provide take into account the time it takes to value your KiwiSaver investment and sell units of your fund. Most types of initial withdrawal (with the exception of withdrawals due to significant financial hardship) take up to 10 ...
When you turn 65 you're eligible for NZ Superannuation and to withdraw your KiwiSaver funds. If you choose to make a withdrawal, you can set up regular or one off withdrawals at any time. To make the first withdrawal you'll need to complete a form - ...
When you sign up KiwiSaver for the first time, you'll make (at least) 3% employee contributions and receive 3% employer contributions each time you're paid your salary/wages. The employee contribution rate can be set to a higher rate of 4%, 6%, 8% or ...
To create a Simplicity KiwiSaver account for your child please complete the online application form here. You'll need your child's birth certificate and IRD number, and identification and IRD numbers for all of the child's parents or guardians. All ...