Options when you’re self-employed or not employed

Your contribution options

KiwiSaver is for everyone, not just for employees.

If you’re self-employed and receive payments that you don’t deduct PAYE from, or you are not currently employed, you can decide how much you contribute to KiwiSaver each year and how and when to make your contributions.

For members of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme, setting up regular contributions by direct debit is simple – either complete and return a direct debit form or give us a call on 0800 736 034.

Alternatively you can make a lump sum contribution using online banking, phone banking or by cheque, or you can visit your local ANZ Branch. Find out more about voluntary contribution options.

Please note that if you work for yourself in your own business and receive payments from your business that you need to deduct PAYE from, you’ll need to make employee and employer contributions for yourself under the KiwiSaver rules, just as you would for any other employee.  This means at a 3% employee contribution rate, you will contribute 6% of your before-tax pay (made up of a 4% employee contribution and a 3% employer contribution).

How much you contribute to KiwiSaver can really impact your nest egg. Watch our video to find out more.

Make the most of the annual member tax credit

You don’t have to be working to make the most of KiwiSaver. Just like employed and self-employed members, the more you contribute, the more likely you are to get the maximum member tax credit.

If you meet the eligibility criteria, you might like to consider contributing at least $1,042.86 from 1 July to 30 June. It's a good idea to ensure you have contributed enough before 30 June each year, as your payment must reach our bank account by 30 June. That way, you’ll get the maximum member tax credit of $521.43 to your KiwiSaver account each year. Find out more about maximising the annual member tax credit.

If you’re an employee, check out your options.

 The fine print Hide
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