Contacting your KiwiSaver provider if you’re self-employed or not working.
Or, make one-off payments or set up regular automated payments to your provider instead. This might suit you better if your income varies.
*This is calculated over 47 years from age 18 to 65, in a conservative fund returning 2.5% per annum (after fees) and tax rate of 28%. Remember contributions to KiwiSaver are locked in (with a few exceptions).