You're eligible to withdraw all your KiwiSaver funds when you reach the age of eligibility (currently 65). If you joined KiwiSaver before 1 July 2019 you can withdraw your savings when you turn 65, or after you have been a KiwiSaver member for 5 years, whichever is later.
Getting your KiwiSaver funds
When you reach the age that you're eligible to withdraw your funds, contact your KiwiSaver provider.
If you keep working
If you turn 65 and keep working, you must keep paying into your KiwiSaver account if you joined KiwiSaver before 1 July 2019 and have been a member for less than 5 years.
If you joined KiwiSaver on or after 1 July 2019 and keep working after you turn 65, you can choose to stop paying into your KiwiSaver account. Depending on your contract, employer contributions may stop.
Getting the government contribution
You can still get the government contribution if you joined KiwiSaver :
- before 1 July 2019 and have been a member for less than 5 years
- after 1 July 2019 and are under 65.
Stopping your KiwiSaver contributions
If you receive a salary or wage and want to stop making KiwiSaver contributions, fill in a Non-deduction notice - KS51 and give it to your employer. They will stop making KiwiSaver deductions from your pay and stop making employer contributions.
Restarting your contributions
If you're still a KiwiSaver member you can start contributing again whenever you like. Complete a KiwiSaver deduction form - KS2 and give it to your employer.