What is the KiwiSaver government contribution?
The government contribution is money the government adds to your KiwiSaver each year to reward you for saving. As at 2026 it is 25 cents for every dollar you put in, up to a maximum of $260.72 a year. To get the full amount you need to contribute at least $1,042.86 between 1 July and 30 June (Inland Revenue).
Who qualifies
You generally qualify if you are 18 to 65, mainly live in New Zealand, and contribute during the year. As at 2026 the contribution is not paid on income over $180,000 (Inland Revenue). It was halved from its previous level in Budget 2025.
How to get the full amount
If you are an employee contributing 3.5% of your pay, you may already be putting in more than $1,042.86 a year. If not, or if you are self-employed, you can top up with a lump sum before 30 June. Self-employed KiwiSaver members should pay particular attention to this.
Why it is worth chasing
Few investments offer a guaranteed 25 percent on the first $1,042.86 you contribute. For the detail on rates, read KiwiSaver contribution rates explained, and for the wider changes see the Budget 2025 KiwiSaver changes.
Compare KiwiSaver funds and fees on Kāhu.
Frequently asked questions
How much is the KiwiSaver government contribution?
As at 2026 it is up to $260.72 a year: 25 cents per dollar, up to $1,042.86 of your own contributions.
How much do I need to contribute to get the full amount?
At least $1,042.86 between 1 July and 30 June.
Who does not get it?
People outside the 18 to 65 age range, those not mainly resident in New Zealand, and, as at 2026, anyone with income over $180,000 (Inland Revenue).
Kāhu provides general information, not personalised financial advice. Kāhu is a KiwiSaver comparison and switching platform operated by Financial Advice NZ Limited, a licensed Financial Advice Provider (FSP1009051). The figures here are general and current as at June 2026. For advice on your situation, speak to a licensed financial adviser.