Are you on track to get the 2025 KiwiSaver government contribution?

Now is a great time to review your KiwiSaver account and ensure you’re eligible to receive the full government contribution of $521.43.

This annual contribution is one of the most straightforward ways to boost your retirement savings. If you qualify and contribute enough, the government will reward you with a generous match—effectively giving you free money just for saving for your future.

How does the government contribution work?

The government contributes 50 cents for every dollar you personally add to your KiwiSaver account, up to a maximum of $521.43. To receive the full $521.43, you must have contributed at least $1,042.86 between 1 July 2024 and 30 June 2025.

This only applies to your personal contributions—not your employer’s. Voluntary payments and deductions from your salary both count toward this total.

Who should check their balance?

There are a number of reasons why you may not have reached the contribution threshold. If you are self-employed, your contributions are not automatically deducted, so you may need to make a top-up. If you work part-time or casually, or if you have taken extended leave, a career break, or experienced a drop in income, it’s possible that your total contributions are lower than expected.

Even those who have taken a savings suspension—a temporary pause in KiwiSaver contributions—could find themselves short of the $1,042.86 target.

There’s still time to top up your KiwiSaver

If you haven’t quite reached the contribution threshold, don’t worry. You can still make a voluntary contribution to close the gap.

However, it’s important to act soon. Contributions must be received and processed by your provider before 30 June 2025 to count toward this KiwiSaver year. Since payments can take a couple of business days to clear, it’s best not to leave it until the last minute.

How can you check your contributions?

Checking how much you’ve contributed so far is simple. Most KiwiSaver providers offer online access through a website or mobile app. Once you log in, you should be able to see a running total of your contributions for the year.

If you’re unsure, or if you want a detailed breakdown, you can contact your KiwiSaver provider directly for assistance.

Are you eligible for the government contribution?

To qualify for the KiwiSaver government contribution, you must meet the following conditions:

• You must be at least 18 years old

• You must live mainly in New Zealand

• You must not yet be entitled to withdraw your KiwiSaver funds for retirement

If you turned 18 or 65, or joined KiwiSaver during the year, the government contribution will be prorated based on how many days you were eligible between 1 July 2024 and 30 June 2025.

A small top-up could go a long way

If you’re close to the $1,042.86 mark, a small voluntary contribution now could mean a big boost to your savings. The $521.43 government top-up is a valuable incentive that can significantly grow your retirement fund over time.

Don’t miss out on this opportunity to make the most of your KiwiSaver. If you have questions or need help making a top-up, reach out to your KiwiSaver provider or Enva financial adviser for guidance.