Buying guide

Kiwisaver withdrawal rules: A complete guide

Need those savings?

Ben Tutty
Last updated: 26 August 2025 | 5 min read

When can I withdraw my Kiwisaver?

Kiwisaver first home withdrawal rules

Withdrawing Kiwisaver when you’ve reached retirement age

Full withdrawal

Partial withdrawal

Regular withdrawals

It's usually best to leave your Kiwisaver where it is for as long as possible (but that's not always possible).

Withdrawing your Kiwisaver to buy your second or subsequent home

Withdrawing your Kiwisaver if you’re moving to a new country

If you’re moving to Australia

If you’re moving to any other country that’s not Australia

If you’ve retired under Australian law

Going overseas for good is one reason you may be able to withdraw your Kiwisaver balance.

Extenuating circumstances Kiwisaver withdrawal

Understand the impact of Kiwisaver withdrawal

For example, let’s say you’ve been putting $250 aside per month and have a $50,000 balance in your Kiwisaver.

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