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KiwiSaver: claim your free government money
Every KiwiSaver year (1 July – 30 June) the government tops up your contributions, but only if you've put in enough. See how much more to contribute before the deadline so you don't leave free money behind.
Your contributions between 1 July and 30 June 2027: employee deductions, voluntary top-ups, anything you've put in. Find it in your KiwiSaver provider's app or your myIR account.
Max out at $1,042.86 of contributions.
Free money still on the table
$260.72
Contribute $1,042.86 more before 30 June 2027 to claim the full $260.72 government contribution.
- That's about
- $21.73/week
- for 48 weeks left
- Earned so far
- $0.00
- 335 days to 30 June
Finding that weekly top-up is the hard bit. Budget it with KeaBudget →
How this is worked out
- The government adds 25c per $1 you contribute, up to $260.72 a year.
- You hit the max by contributing $1,042.86 between 1 July and 30 June.
- Assumes you're eligible (the higher-income phase-out isn't modelled). Budget 2025 settings (year ending 30 June 2027).
- ⚠️ Figures change at Budget time, so always confirm against ird.govt.nz/kiwisaver.
KiwiSaver questions, answered
- What is the KiwiSaver government contribution?
- Each KiwiSaver year (1 July to 30 June) the government tops up your own contributions. As at Budget 2025 it adds 25 cents per $1 you contribute, up to a maximum of $260.72 a year. It's free money, but only if you've contributed enough by 30 June.
- How much do I need to contribute to get the full government contribution?
- You need to have contributed $1,042.86 of your own money between 1 July and 30 June to earn the full $260.72 top-up. The calculator shows exactly how much more to add before the deadline.
- When is the KiwiSaver contribution deadline?
- 30 June each year. Contributions need to be in your KiwiSaver account by then to count toward that year's government contribution, so don't leave it to the last day.
- Can I get the government contribution if I'm self-employed or not working?
- Yes, if you're eligible you can make voluntary contributions and still claim the top-up. From Budget 2025 the contribution is income-tested above $180,000. This calculator assumes you're eligible; check ird.govt.nz for the current rules.
A guide, not financial advice. KiwiSaver settings change at Budget time, so confirm the current figures at ird.govt.nz.
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