Free tool
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 2026— employee deductions, voluntary top-ups, anything you've put in. Find it in your KiwiSaver provider's app or your myIR account.
Progress to the max0%
Max out at $1,042.86 of contributions.
Free money still on the table
$260.72
Contribute $1,042.86 more before 30 June 2026 to claim the full $260.72 government contribution.
- That's about
- $347.62/week
- for 3 weeks left
- Earned so far
- $0.00
- 16 days to 30 June
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 2026).
- ⚠️ Figures change at Budget time — always confirm against ird.govt.nz/kiwisaver.
Budget the top-up. Hit the deadline.
KeaBudget is the free budget app being built for Kiwi bank accounts — so saving that weekly top-up actually happens. Jump on the waitlist for early access.
Join the waitlist →