KiwiSaver government contribution calculator
Are you getting the full $260.72? See how much more to put in before 30 June, and check the $180,000 income cap.
The short answer
To get the full $260.72 government contribution, you need to put in $1,042.86 of your own money between 1 July and 30 June. At 3.5% of pay, that happens on any salary of about $29,796 or more. On $50,000 at 3.5% you contribute $1,750.00 a year and get the full amount. Earn over $180,000 and you get nothing.
Government contribution
| Your own contributions this year | $1,750.00 |
| Government contribution | $260.72 |
You are on track for the full amount.
Put in $0.00 more before 30 June 2027 to get the full amount. That is about $0.00 a week for the 34 weeks left, and it adds $0.00 from the government.
Your taxable income is over the cap, so you get no government contribution this year. You are $0 over. At $180,000 or less you would get $260.72.
The government contribution is paid from age 16 until you turn 65.
You are within $130,000 of the cap. There is no phase-out: one dollar over and the whole amount goes.
- Government contribution
- Your own contributions this year
Show the chart as a table
| Your own contributions | Government contribution |
|---|---|
| $0.00 | $0.00 |
| $250.00 | $62.50 |
| $500.00 | $125.00 |
| $750.00 | $187.50 |
| $1,042.86 | $260.72 |
| $1,500.00 | $260.72 |
Rules as at 10 November 2026. Paid by no KiwiSaver provider. General information, not financial advice.
Government contribution by income and rate
For a full KiwiSaver year, with contributions from pay only. Top-up is what you would need to add yourself before 30 June to get the full $260.72.
| Taxable income | 3.5% | 4% | 6% |
|---|---|---|---|
| $20,000 | $175.00Top-up needed: $342.86 | $200.00Top-up needed: $242.86 | $260.72 |
| $25,000 | $218.75Top-up needed: $167.86 | $250.00Top-up needed: $42.86 | $260.72 |
| $30,000 | $260.72 | $260.72 | $260.72 |
| $40,000 | $260.72 | $260.72 | $260.72 |
| $50,000 | $260.72 | $260.72 | $260.72 |
| $70,000 | $260.72 | $260.72 | $260.72 |
| $100,000 | $260.72 | $260.72 | $260.72 |
| $150,000 | $260.72 | $260.72 | $260.72 |
| $180,000 | $260.72 | $260.72 | $260.72 |
| $180,001 | $0.00 | $0.00 | $0.00 |
Questions people ask
How much is the KiwiSaver government contribution?
25 cents for each dollar you contribute yourself, up to $260.72 a KiwiSaver year (1 July to 30 June). You need to contribute $1,042.86 to get the maximum.
Is there an income limit?
Yes. From 1 July 2025 you get nothing if your taxable income is over $180,000. There is no phase-out.
Do employer contributions count?
No. Only your own contributions count: deductions from your pay, payments to IRD and payments straight to your provider.
When is it paid?
Your provider claims it after 30 June. Check your account after the end of July; it can take until the end of August.
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