I'm self-employed. Can I still join KiwiSaver?
Yes. KiwiSaver is available whether you're employed, self-employed or not currently working.
You choose how much and how often you contribute.
You can:
Make regular contributions by direct debit.
Make one-off lump sum payments.
Change or stop your contributions whenever you choose.
If you're self-employed and don't receive salary or wages from an employer, you won't receive employer contributions. You may still receive the annual government contribution if you contribute and meet the eligibility rules.*
Regular automatic payments can make contributing easier, while one-off payments give you flexibility to add more when it suits you.
*Government contributions are available to members who live mainly in New Zealand and are aged 16-64, and had an income of $180,000 or less for the year. You can receive 25 cents for each $1 you contribute up to a maximum government contribution of $260.72 each year. If you join KiwiSaver, turn 16, or reach age 65 part-way through the year, the amount you can receive is adjusted based on how many days you were eligible.