How does KiwiSaver work if you are self-employed?
If you are self-employed, there is no automatic deduction from a wage and no employer contribution, so KiwiSaver is entirely voluntary. You decide how much and how often to contribute. The upside is you can still earn the government contribution of up to $260.72 a year, and choose any fund you like.
Set your own contributions
Without a payroll deduction, the simplest approach is a regular direct debit to your provider, or a lump sum before the end of the contribution year. There is no minimum and no maximum.
Still claim the government contribution
Contribute at least $1,042.86 between 1 July and 30 June and the government adds up to $260.72, as long as your income is $180,000 or less (Inland Revenue). The detail is in the government contribution guide.
Choosing a fund as a self-employed member
Your fund choice follows the same logic as anyone else: match the risk to when you will use the money, and keep an eye on fees. See the best KiwiSaver funds NZ.
Compare KiwiSaver funds and fees on Kāhu.
Frequently asked questions
Can I join KiwiSaver if I am self-employed?
Yes. You contribute voluntarily, by direct debit or lump sum, with no minimum.
Do I still get the government contribution?
Yes, if you contribute at least $1,042.86 between 1 July and 30 June and your income is $180,000 or less.
Do I get employer contributions if I am self-employed?
No. There is no employer, so there is no employer contribution. The government contribution still applies.
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.