How can my child/children contribute to their KiwiSaver account?

Voluntary contributions

If your child is not working, you can make voluntary contributions to their account. You are not required to contribute to a child’s Kiwi Wealth KiwiSaver Scheme account.

More on how to make voluntary contributions.

Employee contributions

If a child is in KiwiSaver and they are working, they must contribute through their job at 3%, 4%, 6%, 8% or 10% of their pay. Children do not need to make regular contributions to KiwiSaver from their salary or wages if PAYE is not required to be deducted, but a child can still choose to contribute to KiwiSaver by giving their employer a deduction notice.

If your child does make contributions from their pay, then the child’s employer will handle the deduction, pass this on to Inland Revenue and they will pass this on to the KiwiSaver provider. You don’t need to do anything.

More on how employees can make contributions.