Make a payment
KiwiSaver Poua he Oranga

How KiwiSaver works

KiwiSaver is a three-way partnership between scheme providers, government agencies and employers.

Most new employees who are between the ages of 18 and 64 are automatically enrolled with KiwiSaver. They will then have eight weeks to decide whether to stay with KiwiSaver or to opt out. Self-employed people can join a KiwiSaver scheme at any time.

There is a range of KiwiSaver schemes offering a variety of investment options. Inland Revenue acts as central administrator for the KiwiSaver savings initiative. Scheme providers administer KiwiSaver schemes for members, with employers also having a role in the administration of KiwiSaver.