Tātaitai Takoha Kāwanatanga KiwiSaver

Ko te takoha kāwanatanga KiwiSaver (i kiia ko te tāke-takoha mema) he utu a-tau ka utua e te kāwanatanga o Aotearoa totika ki ngā pūkete KiwiSaver o ngā mema whai tāke. He tikanga ia ki te utu whakamiharo mō ngā tiaki a-tikanga ma te tapiri i ngā takoha a-tangata ki te 25 heneti mō ia tara e takoha ana koe, ki te $260.72 i te tau. Hei whiwhi i te $260.72 katoa, me takoha koe i te $1,042.88 neke atu i roto i te tau KiwiSaver (1 Hūrae ki te 30 Hune). Ko ngā takoha a-tangata anake mai i o ake utu mahi, utu tūāpono rānei, ngā takoha a-tūmanako rānei e tohua ana — ka kore e whakauruhia ngā takoha kaituku mahi, ngā utu timata kāwanatanga, me ngā āwhina utu. Ko te takoha kāwanatanga he āhuatanga o KiwiSaver mai i tōna timatanga i te tau 2007, a ka whakahaerea e Inland Revenue. Puna: IRD — KiwiSaver Government Contributions (ird.govt.nz/kiwisaver).

Mō te tau KiwiSaver 2026-27 (1 Hūrae 2025 ki te 30 Hune 2026), ko te takoha kāwanatanga morahi ko te $260.72. Ka tātaihia tēnei tapeke hei 50% o te takoha a-tangata iti rawa e hiahiatia ana ko te $1,042.88. Menaa ka iti ake to takoha i te $1,042.88 i roto i te tau, ka whiwhi koe i tētahi tapeke a-ōrau — hei tauira, ko te takoha $260.72 ka whiwhi koe i te $260.72 mai i te kāwanatanga. Kāore i huri te taupae $260.72 mai i te tau 2011 i tōna whakaitinga mai i te $1,042.88. Ko te nuinga o ngā kaiuukui ahumoni a-tangata e tuutohu ana kia tuuhonohia te taupae ki te piki utu ka pai ake te tautoko i ngā kaipenapena. Ko ngā tangata mahi-ōhanga me rātou kāore i roto i ngā mahi utu me takoha a-tūmanako i te $1,042.88 neke atu hei tono i te takoha kāwanatanga katoa. Puna: IRD — KiwiSaver Government Contribution Rates (ird.govt.nz/kiwisaver).

Ka utua te takoha kāwanatanga KiwiSaver ia tau a ia tau i mua i te 15 o Hūrae, totika ki tō pūkete KiwiSaver. Ka tātaihia a-tau e ai ki o takoha a-tangata i roto i te tau KiwiSaver o mua, e rere ana mai i te 1 o Hūrae ki te 30 o Hune. Hei tauira, ko ngā takoha i mahia i waenga i te 1 o Hūrae 2025 me te 30 o Hune 2026 ka tohu i te utu kāwanatanga e tapirihia ana i mua i te 15 o Hūrae 2026. Ka arotake aunoa a Inland Revenue i to tohu me te tātai i te tapeke — kāore e hiahiatia ana koe ki te tono. Menaa ka huri kaiwhakarato KiwiSaver koe i roto i te tau, ka haere tonu to hītori takoha ki a koe a ka tohua tonu. Ko ngā mema e tango wehe ana, e tango whakatarewatanga penapena ana rānei i wahanga o te tau ka whiwhi i tētahi takoha kāwanatanga a-ōrau mō te wā i takoha ana rātou. Tirohia to tapeke takoha i mua i te 30 o Hune hei takoha a-tūmanako tapiri menā e hiahiatia ana. Puna: IRD — KiwiSaver Member Tax Credits (ird.govt.nz/kiwisaver).

Hei tōpūtia mō te takoha kāwanatanga KiwiSaver, me tutuki ngā paearu katoa e whai ake nei: me he mema KiwiSaver koe; me he 18 tau neke atu tō pakeke (ko ngā takoha i mahia i mua i te pakeke 18 kāore e takoha kāwanatanga ana); me iti iho i te pakeke taupae mō te NZ Superannuation (ko nāianei 65); me he kainoho o Aotearoa e noho ana i Aotearoa; a kāore koe i roto i tētahi hararei takoha (whakatarewatanga penapena) mō te tau katoa. Kāore he hiahia moni whiwhi iti rawa — ka taea e ngā tangata mahi-ōhanga, ngā ākonga, me ngā mātua e noho ana ki te kāinga te taupae ma te takoha a-tūmanako. Ko ngā kainoho tūāwhika me ngā tangata e noho ana i tāwāhi kāore e tōpūtia ana. Ka tōpūtia pea ngā mema kei runga i te rīhi mātua menā ka takoha a-tangata rātou i tēnā wā. Puna: IRD — KiwiSaver Eligibility for Government Contributions (ird.govt.nz/kiwisaver).