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Government contribution

Boost your KiwiSaver account with up to $521 from the Government every year.

What is the Government contribution?

The KiwiSaver Government contribution is designed to help you save for your retirement. Here’s how it works:

If you’re eligible, the Government will contribute 50 cents for every dollar you contribute to your KiwiSaver account, up to a maximum of $521.43 each year. That’s extra money to add to your KiwiSaver savings - and it could add up to a whole lot more over time.

The Government contribution is calculated based on your contributions between 1 July to 30 June each year and is paid directly into your KiwiSaver account (usually by the end of August).

Who is eligible?

You're generally eligible for the Government contribution if you: 

  • are aged 18 to 64 (or older if you’re not eligible for a retirement withdrawal)
  • contribute to your KiwiSaver account, and
  • mainly live in New Zealand.

Don’t worry if you’re only eligible for part of the year – you’ll still get part of the Government contribution. The calculation of the amount will be based on the number of days in the year you were eligible.

You won’t be eligible for the Government contribution if you make a life-shortening congenital conditions withdrawal.

How to maximise the Government contribution

To get the maximum Government contribution of $521.43 each year, you need to make sure you contribute at least $1,042.86 yourself.


What are your options?

If you’re employed, earning at least $35,000 per year and contributing at least 3% of your salary or wages, you should qualify for the maximum Government contribution automatically.

However if you’re not contributing from your salary, or if your contributions may not reach $1,042.86 by the end of June, there are a number of ways you can top up your own contributions to get the maximum Government contribution:

  • Increase your contribution rate
  • Make regular voluntary contributions
  • Make one or more lump sum contributions

Find out more about your contribution options


Remember, every little bit counts. Even a $100 contribution to your KiwiSaver account will get you $50 free from the Government. The more you contribute, the more you can get, up to $521.43.

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What's next?

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ANZ New Zealand Investments Limited ('ANZ Investments') is the issuer and manager of the OneAnswer KiwiSaver Scheme. Important information is available under terms & conditions. Download the guide and product disclosure statement.