How does KiwiSaver impact employees under 18?
Last Updated: 27 Mar 2026
Employees under 18 must enrol directly with a KiwiSaver provider. Employers must start making employer contributions for those aged 16 and older with the minimum employee and employer contribution rates being 3.5%.
Under 16s aren’t eligible for the annual government contribution.
Please note: From 1 April 2028, the minimum employer and employee contribution rate will increase from 3.5% to 4%.
Members will be able to temporarily opt down to the current 3% rate, if they choose, and still be matched at that rate by you.
Did this answer your question?
Related Answers
-
After they join KiwiSaver, you should deduct contributions from their next payday. If an employee (who is over 18 and ...
-
Yes. If you are on a savings suspension, you can still get the annual government contribution if you're eligible; however ...
-
If they’re not on a savings suspension, start deducting employee contributions from their first payday. If an employee (who is ...
-
It’s simple – you can top up any employee contributions with regular or lump sum contributions. You can do this ...
-
For general information about KiwiSaver, check: www.ird.govt.nz/kiwisaver (for information about KiwiSaver) www.sorted.org.nz (for information about saving and budgeting) You can ...
-
You will be eligible for the annual government contribution if you: are a member of a KiwiSaver scheme, are 16 ...
-
Complete this searching for lost super form or, if you know your tax file number (TFN), use the Australian Taxation ...
-
There are two easy ways: Use FastNet Classic ASB’s internet banking service to see any voluntary (lump sum) and/or regular ...
-
You can withdraw your savings when you turn 65. If you have any questions about retirement withdrawal eligibility give us ...
-
If you haven’t elected an employer chosen scheme and your employee hasn’t selected a KiwiSaver scheme to join, Inland Revenue ...