Government Schemes and Benefits in New Zealand
Savings incentives, family payments, pensions and home buying help in New Zealand, each with a link to the official page.
Savings and Retirement
KiwiSaver
Workplace retirement savings. The default rate rose to 3.5% for employees and employers on 1 April 2026 and rises to 4% on 1 April 2028. The government adds 25 cents for each dollar you contribute, up to $260.72 a year, unless your taxable income is over $180,000.
Official siteKiwiSaver First Home Withdrawal
After three years in KiwiSaver you can usually withdraw all but $1,000 of your balance to buy a first home, if your fund allows it.
Official siteNZ Superannuation
A universal pension from 65 for people who meet residence rules, not means tested.
Official siteFamily and Income Support
Working for Families
Tax credits for families with children, including Family Tax Credit, In-Work Tax Credit and Best Start for babies.
Official siteFamilyBoost
Get back up to 40% of early childhood education fees, up to $1,560 a quarter, if your household income is under about $57,000 a quarter. Claim every quarter.
Official sitePaid Parental Leave
Up to 26 weeks of government funded payments for eligible parents, matching your usual pay up to a weekly maximum.
Official siteAccommodation Supplement
Help with rent, board or home ownership costs for people on lower incomes.
Official siteCheck What You Might Get
Work and Income's online tool shows payments you may qualify for.
Official siteBuying a Home
First Home Loan
Loans with a deposit from 5% through participating lenders, underwritten by Kāinga Ora, for eligible first home buyers.
Official siteChecked October 2026. Rules and amounts change, so confirm on the official page before you rely on a figure. Who to check with in New Zealand.