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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. Eligible from 16 to 65, and pro-rated by days if you joined or turned 16 part way through the year.
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.
The date you became eligible, if it was between 1 July 2026 and 30 June 2027. IRD pro-rates the maximum by the days you were an eligible member. Leave blank if you were in all year.
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
- $26.08/week
- for 40 weeks left
- Earned so far
- $0.00
- 275 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.
- You're eligible from age 16 to 65 (16 and 17 year olds have been included since 1 July 2025). If you join, turn 16, or turn 65 part way through the year, IRD pro-rates the maximum by the number of days you were an eligible member. Enter your eligible-from date above and the figures scale to match.
- Assumes you're eligible: the phase-out for taxable income over $180,000 isn't modelled. Budget 2025 settings, in force since 1 July 2025, applied to the 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 not available if your taxable income is over $180,000. This calculator assumes you're eligible; check ird.govt.nz for the current rules.
- Who is eligible, and what if I joined part way through the year?
- You're eligible from age 16 to 65 (16 and 17 year olds have been included since 1 July 2025). If you join KiwiSaver, turn 16, or turn 65 part way through the KiwiSaver year, IRD pro-rates the government contribution by the number of days in the year you were an eligible member. Enter the date you became eligible in the calculator and it scales the maximum, and the amount needed to reach it, to match.
A guide, not financial advice. KiwiSaver settings change at Budget time, so confirm the current figures at ird.govt.nz.
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