KiwiSaver for the self-employed
Self-employed Kiwis don’t get employer contributions, but KiwiSaver can still be one of the easiest ways to save for retirement or a first home. Here’s how to make the most of it.
If you’re self-employed, there’s no automatic KiwiSaver deduction and no employer contribution, so you choose how much and when to contribute. To get the full government contribution of $260.72, contribute at least $1,042.86 between 1 July and 30 June, which is about $20 a week, as long as your income is $180,000 or less.
Reviewed by Kyle Hasson, Insurance and KiwiSaver Adviser (FSP1010252) · Updated October 2026
How we help
- Set up a simple plan: regular automatic payments or a lump sum before 30 June.
- Get the full government contribution: every year you’re eligible.
- Choose the right fund: for your timeframe and goals.
- Protect your income: self-employed people often need income protection most.
How contributing works when you’re self-employed
- Pay your KiwiSaver provider directly, or through Inland Revenue
- Contribute any amount, whenever suits your cash flow
- Set up automatic weekly or monthly payments so you don’t forget
- Check before 30 June that you’ve reached $1,042.86 for the year
Other ways to boost your savings
If your business is a company and you pay yourself a salary through payroll, KiwiSaver deductions may apply like any employee. Some business owners also make their company an “employer” contributor. Talk to your accountant about what suits your structure.
Don’t forget income protection
Without sick leave or an employer, a long illness can hit self-employed people hardest. Agreed value income protection is often worth considering, because your benefit is based on income agreed at the start rather than what you earned just before claiming.
Sources and further reading: Inland Revenue: KiwiSaver
Kyle Hasson is an Insurance and KiwiSaver Adviser at Moneyplant in Papakura (FSP1010252), with a New Zealand Certificate in Financial Services (Level 5). Meet the team
This is general information only and isn’t personalised financial advice. Everyone’s situation is different, so please talk to one of our advisers before making decisions about your KiwiSaver.
Self-employed questions
Can’t see your question? Give us a call or send us a message. See our public disclosure for details of our fees and commissions.
Can I join KiwiSaver if I’m self-employed?
Yes. You can join through any KiwiSaver provider and contribute directly.
Do I have to contribute regularly?
No. Contributions are voluntary for self-employed members. Regular payments just make it easier to reach the government contribution threshold.
Can I use KiwiSaver for a first home if I’m self-employed?
Yes, the same first home withdrawal rules apply once you’ve been a member for three years.
What if I miss the 30 June deadline?
You’ll only get a government contribution based on what you contributed that year. You can’t backdate contributions to a previous year.
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