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).

Case study

See the difference that the Government contribution can make to your KiwiSaver savings over time.

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.

From overseas: +64 9 356 4000

You might be interested in

Important information

ANZ New Zealand Investments Limited ('ANZ Investments') is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme (together, the 'schemes').

The PDS and Guide for the ANZ KiwiSaver Scheme and important information about the ANZ Default KiwiSaver Scheme is available at  Further information is also available about the ANZ Default KiwiSaver Scheme by searching ‘ANZ Default KiwiSaver Scheme’ on the offer register at