Changes to your work situation

Changes to your work situation include stopping work, starting a new job and working multiple jobs.

Stopping work


If you leave a job - voluntarily or involuntarily, then your employer will stop:

  • deducting contributions from your pay, and
  • making compulsory employer contributions to your KiwiSaver account.

You don't have to do anything else to stop contributions from that job or employer.

If you want to continue to contribute, you can:

  • contact your KiwiSaver scheme provider to see if you can keep making contributions. 
  • make voluntary contributions at any time.

If you're no longer eligible to be a member with your current KiwiSaver scheme provider, then you'll move to a new scheme.

Effect on member tax credit

Stopping work may affect the amount of member tax credit that you get paid. To receive your full member tax credit for the year you should contribute at least $1,042.86 yourself to your KiwiSaver account.


If you make regular contributions directly to your KiwiSaver scheme provider and you stop working, check with your scheme provider to see if you can stop your contributions.

Starting a new job

If you ... then ...
still earn a salary or wage in your new job

 fill out a KiwiSaver deduction notice (KS2) and give it to your new employer, so that:

  • contributions can continue to be made at the rate you choose on the form, and
  • your employer knows that they need to make employer contributions to your account.
become an employee and start earning a salary or wage

contributions will be deducted from your pay at your chosen rate. Fill out a KiwiSaver deduction notice (KS2) so  your employer knows:

  • your preferred rate, and
  • they need to make employer contributions.

if you don't tell your employer what your preferred rate is, the default rate will be used . You should also let your KiwiSaver scheme provider know.

stop earning a salary or wage for example, you become self-employed you'll need to talk to your KiwiSaver provider about arranging payments.

School employees

If you work in a state or integrated school, the Board of Trustees is your employer for  KiwiSaver purposes. If you change schools, you're treated as starting new employment and will be automatically enrolled even though you stay on the same payroll.

Working multiple jobs

As you're already a KiwiSaver member,if you start working a secondary job:

  • contributions should be deducted from any new jobs you start, as well as your main employment and
  • you'll receive compulsory employer contributions from all your employers.

Twelve months after your first contribution is received you can apply for a contributions holiday for any or all of your jobs.