Make a payment
KiwiSaver Poua he Oranga

What is KiwiSaver?

KiwiSaver is a voluntary, work-based savings initiative to help New Zealanders with their long-term saving for retirement.

It's designed to make it easy for people to get into the habit of saving regularly.

Work-based saving

For most people, KiwiSaver will be work-based. This means they will receive information about KiwiSaver from their employer, and their KiwiSaver contributions will come straight out of their pay.

What KiwiSaver members get when they retire

NZ Super is intended to provide for a basic standard of living in retirement, but it may not be enough for the kind of retirement many people want.

KiwiSaver is intended to complement NZ Super, to provide for a better standard of living in retirement.

Government initiative

The government will encourage people to save by offering membership benefits, including an annual Government contribution. Some people may also be eligible for help with the deposit on their first home. Members will also benefit from a contribution towards their savings from their employer.