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

Getting my KiwiSaver when I retire

Back
What
Withdrawing your KiwiSaver and managing or continuing your contributions.
Who
Those who are retired.
When
KiwiSaver is unlocked when you reach 65.

You're eligible to withdraw all your KiwiSaver savings 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 savings

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 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
  • joined KiwiSaver after 1 July 2019 and are under 65.

Stopping your 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.