# Minder: KiwiSaver in New Zealand

> A free KiwiSaver calculator and simple guides for New Zealand. See what you, your employer and the government put in each year, and when you can take money out early.

## Tools

- [KiwiSaver contribution calculator](https://kiwisaverproviders.co.nz/tools/kiwisaver-contributions): What you, your employer and the government put in each year, and what it takes to get the full government contribution.

## Contributions

Find out how much you, your employer and the government put in each year, and how to make sure you get the full government contribution.

- [The KiwiSaver government contribution](https://kiwisaverproviders.co.nz/contributions/government-contribution): If you contribute enough to your KiwiSaver, the government adds up to $260.72 each year. Find out how much you could get, how to get the full amount and who isn't eligible.

## Withdrawals

See when you can take money out of KiwiSaver before you turn 65, such as for financial hardship or serious illness, and how to apply.

- [KiwiSaver hardship withdrawal](https://kiwisaverproviders.co.nz/withdrawals/hardship-withdrawal): A KiwiSaver hardship withdrawal lets you take out money early if you can't cover basic living costs. Find out who can apply, how much you can withdraw and how to get started.