More options, better returns. 

Make KiwiSaver work for you

Although KiwiSaver is commonly known as a retirement fund facility, it is also an incredibly useful tool to help you into your first home.

We’ll help you get your KiwiSaver set up and humming – and when the time comes to purchase your first home – ensure you access all of the KiwiSaver and government  first home buyer entitlements – for free.

KiwiSaver Calculator

See what your future savings could be with our simple KiwiSaver calculator.

KiwiSaver first home withdrawal

If you have been a member of KiwiSaver for at least three years you may be eligible to withdraw any contributions you and your employer have made, along with the Government Member Tax Credit contributions and any investment returns.

You can’t withdraw any amounts transferred from an Australian complying superannuation scheme, and you must maintain a balance of at least $1,000 in your KiwiSaver account.

KiwiSaver HomeStart grant

If you’ve been contributing to KiwiSaver for at least three years and are buying an existing home, you may be eligible for $1,000 for each year you’ve been contributing – up to a maximum of $5,000. This means that if you’re buying a house with a partner and you both qualify for the HomeStart grant, you could get up to $10,000.

If you are buying a newly built home or a planning to build, you may be eligible for $2,000 for each year you’ve been contributing – up to a maximum of $10,000 per person.

Government and employer contributions

As well as your 3%, 4%, or 8% of gross income contribution, your employer is required to put in a further minimum of 3%.

For every $1 you put into your KiwiSaver, the Government will put in 50 cents, up to a maximum of $521.43 per year.

Plus, you’ll have super smart KiwiSaver experts investing and growing your money for you.

Fund types

Conservative funds – For those who are cautious investors, planning to buy their first home or are nearing retirement.

Growth funds – For medium to long-term investors who are prepared to accept more volatility with the potential of higher returns in the long run.

Aggressive – For long-term investors who are prepared to accept a higher level of volatility for the potential of long-term results.

Learn more

Australian super transfer

If you have savings in an Australian superannuation fund but now live permanently in New Zealand, you can transfer your account balance to your KiwiSaver.

Your Australian superannuation savings will be converted to New Zealand dollars at the exchange rate on the day your money enters New Zealand.

The transfer won’t cause any entry or exit taxes, and we won’t charge you a fee.

KiwiSaver the right way.

KiwiSaver calculator

What could your KiwiSaver balance be at retirement? Make KiwiSaver work for you.

Talk to a KiwiSaver expert

Call us on 0800 346 765
8.30am – 6pm Monday to Friday


About the Calculator

The results are illustrative only, do not reflect actual returns and are not predictions of future returns (which are subject to investment and other risks, including loss of income and principal invested). No amount of return is promised or guaranteed. Returns can be positive or negative, and will vary over different periods depending on the investment performance of your chosen fund or funds. While the results are shown on an after-tax basis based on an indicative level of tax, the actual tax on your returns will vary depending on the tax treatment of the specific assets invested in. In addition, taxation legislation, its interpretation and the levels and bases of taxation may change.