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Why KiwiSaver?

KiwiSaver is a Government initiative that provides incentives for eligible New Zealanders, including Government and employer contributions aimed at helping your retirement savings grow.

Contributions - At a Glance

  • If you are employed you can contribute 3%, 4% or 8% of your before tax salary or wages. The rate is nominated by you.  The default rate is 3% if you do not choose a rate.
  • If you are self-employed (and don’t pay PAYE), aged over 65 or a non-worker you can decide how much you contribute into KiwiSaver.
  • In most cases your employer will be required to contribute as well (minimum 3% of your gross salary or wages).

What are the benefits?

For full details of the KiwiSaver Homestart Grant visit hnzc.co.nz. All benefits mentioned are subject to eligibility criteria. For full information, read the Other Material Information supplement. If you have any questions contact our KiwiSaver team on 0800 782 900.


Other Scenarios

Annual contributions, member tax credit and totals have been rounded.



If you are 18 or over and under age 65, you will automatically be enrolled in KiwiSaver when you start a new job. Your employer will deduct contributions from your pay, unless you decide to opt out. You can do this within a certain timeframe and your contributions will be refunded.

You can contribute either 3%, 4% or 8% of your before tax salary or wages. This will be deducted by your employer, paid to IRD who will then forward your contribution to us. You can make voluntary payments over and above your regular contributions.

If you are already in a job, you can also join. Choose a KiwiSaver Scheme of your preference or let your employer know you want to opt in. You have 3 months to select your preferred KiwiSaver scheme, then you are enrolled in one of the default providers’ schemes.

If 12 months or more have passed since Inland Revenue or a KiwiSaver scheme received your first contribution, you can take a break from making KiwiSaver contributions (a contributions holiday). Your contributions holiday can last between 3 months and 5 years. There is no limit to the number of times you can take a contributions holiday – this is up to you.



As someone who is self-employed you make payments directly to your KiwiSaver provider.

You can contribute when and how much you want to contribute. You may want to contribute at least $1,043 each year (1 July to 30 June). to ensure you take advantage of the maximum Government member tax credits if you meet the eligibility criteria. To read more about member tax credits please read the Other Material Information document.

As a self-employed person you are not eligible for the employer contribution (since you are your own employer).



You can join KiwiSaver even if you are not employed. To ensure you receive the maximum Government member tax credits you will need to contribute a minimum of $87 per month. The Government will then give you a tax credit of 50 cents for every dollar you contribute (up to $521.43) per year if you meet the eligibility criteria.


Under 18

You can enroll your children into KiwiSaver. This is a great way to start saving for their future.

As a minor and non-working, there are no requirements around an initial contribution or minimum annual contribution. A working minor must make KiwiSaver employee contributions (until eligible for a contributions holiday). Employers are not required to make compulsory employer contributions on behalf of a minor. You can make voluntary contributions to your children's KiwiSaver accounts at any time. Minors are not eligible for member tax credits.


Can I change my investments? You can amend the composition of your portfolio as your circumstances change by completing a new Investment Direction form.

Can I withdraw my balance? Find out more about the criteria that apply for KiwiSaver withdrawals.

For more information on KiwiSaver and our Scheme  - read Craigs KiwiSaver Scheme Product Disclosure Statement

Questions? Contact our KiwiSaver team by phoning 0800 782 900.

The Craigs KiwiSaver Scheme (Craigs KiwiSaver) is issued and managed by Craigs Investment Partners Superannuation Management Limited. The New Zealand Guardian Trust Company Limited is the supervisor of Craigs KiwiSaver. None of The New Zealand Guardian Trust Company Limited, Craigs Investment Partners Superannuation Management Limited (or any director of those entities) or any other person, guarantees the performance or returns of Craigs KiwiSaver, or the return of capital. Investments made in Craigs KiwiSaver are subject to investment and other risks (including those set out in the Craigs KiwiSaver Scheme Product Disclosure Statement) and are not guaranteed by the manager, the supervisor or any other person.