Skip to main content
Check out our new content, navigation and design for KiwiSaver.

What is KiwiSaver


KiwiSaver is a voluntary, work-based retirement savings scheme. Independent KiwiSaver providers run the savings schemes. You can choose one of them to manage your savings.

KiwiSaver is for all New Zealand citizens and permanent residents living or normally living in New Zealand. Members can still get New Zealand Superannuation when they reach 65.

You are automatically enrolled into KiwiSaver if you are:

  • starting work with a new employer
  • aged between 18 and 65.

If you are eligible for KiwiSaver but not yet a KiwiSaver member you can enrol by:

  • asking your employer for a KiwiSaver employee information pack and completing a KiwiSaver deduction form
  • choosing a provider and signing directly with them. 

Finding out more about retirement planning

We can't give you financial advice, and neither can your employer.

For free and balanced information about getting ready for your retirement, you can go to the Sorted website.

Contact a financial advisor for independent financial advice on:

  • your financial situation
  • KiwiSaver and how it works
  • if KiwiSaver is right for you
  • how to choose a scheme or investment product.

The Financial Markets Authority (FMA) regulates financial advisors. The FMA can give you information on financial advisors and a list of authorised financial advisors. Financial advisors must be licensed.