Tax App records your commission income, rental income and expenses through the New Zealand tax year, and calculates the income tax, GST and ACC levies due on them. It is designed for contractors, landlords and households.
Free during early access. No card required.
Income, expenses, bank reconciliation, reports and a savings plan, organised by tax year.
Attach an invoice and AI extraction fills in the date, amount and provider for you to check. Each expense is filed under an expense account, linked to a provider contact and, where relevant, to a rental property or commission stream. The invoice stays attached to the record.
Connect your bank through Akahu and import its transactions, or upload the CSV statement your bank provides. Each transaction is matched against your income and expense records, regular payers are remembered, and unmatched transactions are listed so you can see what has not been recorded.
Transactions without a record are listed by account and grouped by day, as on a bank statement. Each shows the record it would become and the contact it appears to belong to, and Add opens a form already filled in. Transactions that are not business can be ignored and set aside.
Each report is a PDF built from the same figures shown on screen, itemising the tax, credits and levies behind every total.
Any report can be scheduled to run and be emailed automatically: a monthly statement to a contractor, for example, or a quarterly tax summary to your accountant. You choose the report, its recipients and its frequency.
Tax App calculates how much to set aside for income tax and ACC from the income you record. A monthly plan shows whether your savings are on course to cover the bill.
Connect your bank through Akahu to bring transactions into reconciliation and into a bank inbox of suggested records. The connection is read-only and revocable, and Tax App never sees your internet banking login.
Commission, rental and tenant reimbursement income. Records can be added, copied, imported and exported as CSV, and filtered by contractor or property.
An overview of the tax year: total income, tax to set aside, this month's GST, and a comparison with the same day last year.
PDF tax summary, rental profit and loss by owner's share, commission profit and loss, and monthly statements for your accountant.
Any report can be emailed on a schedule to one contact and copied to others, so monthly statements and quarterly tax summaries are sent without anyone having to remember.
A plan for what to set aside for tax, with IRD and ACC payments recorded as they fall due.
Connect your own Xero organisation and choose, separately for income and for expenses, whether records are sent to Xero. Records travel in that direction only, so nothing is brought back to conflict with entries your accountant has made. Income arrives already marked as paid, because you record only money you have received.
Connect Claude, ChatGPT, Grok, VS Code or Cursor and ask about your records in ordinary language, such as this year's estimated tax. An owner switches the feature on and decides whether it may add and change records. Each person then connects their own AI app. It never deletes anything, and Tax App still calculates every figure.
Properties with their co-owners and ownership percentages, together with tenancy agreements, bonds and documents.
Email rent reminders and tenancy statements to tenants and other contacts from branded templates, attach files, and read replies in a single thread on the contact.
A shared address book of tenants, suppliers, principal contractors and your accountant, each with an IRD number and attached documents.
Invite your partner or accountant by email as an owner, member or read-only member. You can belong to more than one organisation.
After you sign up, a setup wizard prepares your organisation, and an interactive walkthrough introduces each person to the parts of the app they use.
Sign in with Google, or with an email address and password. Passwords are encrypted in your browser before transmission and stored only as salted hashes.
Connect your own Xero organisation and keep it in step with Tax App. You approve the connection in Xero. Tax App never sees your Xero password, and you can disconnect at any time.
Each income record becomes a Xero sales invoice with its payment already recorded, dated the day the money was received. Because Tax App records only money you have received, no income appears in Xero as an outstanding debt.
Each expense becomes a bill carrying the due date from its invoice, so the amounts Xero shows as owing are the amounts you owe. A bill is marked as paid when you reconcile it, which is when the money is known to have left your account.
When you reconcile a bill in Tax App, it is marked as paid in Xero shortly afterwards, with no further action from you. This runs in the background, so a slow or unavailable Xero does not delay your reconciliation.
Your expense accounts start as Xero's own, with the same codes: Advertising is 400 in both, and Repairs and Maintenance is 473 in both. Rates, Water and Property Management are also added, because landlords need them. Little or no account mapping is needed before you begin.
Each kind of income is settled against its own Xero bank account, and each kind of expense likewise, because rent and commission are often banked separately. Every record also carries a reference naming its line of business, so one Xero organisation can report on each separately.
Income and expenses are recorded in Tax App and sent to Xero. They are never brought back, so nothing conflicts with entries your accountant has made. Contacts and accounts each have their own setting: do not sync, send, bring in, or both ways. Nothing is deleted or overwritten on either side, and no record is sent twice, however often you sync.
Contacts are matched by name and created on whichever side lacks them. A supplier added in Tax App appears in Xero, and a contact kept in Xero can be brought into Tax App, so the two lists stay consistent.
When a record cannot be sent, it is named with the reason: it has no contact, it has no account, or Xero rejected it.
Xero is optional and stays off until you switch it on. It is one of the modules you choose when you set up your account, and it can be switched on or off later without affecting your records. The Xero guide describes what reaches your accountant's records and what the connection does not do.
Detailed explanations of the features people ask about most, including what each one does not do.
How salary, commission and rental income are taxed together, in that order, with a worked example you can check against the IRD calculator.
What reconciliation is for, how transactions are matched, and why importing a statement again leaves completed matches in place.
Who holds what in a bank connection, what the connection may do, and how a transaction becomes a record.
What reaches your accountant's records, why income arrives already paid, and what the connection does not do.
Using Claude, ChatGPT and other AI apps with your records: what they can see, what they may add and change, how to connect each app, and how to remove access.
Tax App is designed for commission income, rental income and household expenses.
For people whose income arrives unevenly through the year.
For rental properties owned by couples, families or groups.
For keeping a full tax year of income and expenses in one place.
Commission, rental income, or both. Setup takes a few minutes, and you can invite your partner or accountant to the same organisation.
Connect a bank feed or upload CSV statements, attach invoices, or enter records directly. Statement matching and AI invoice extraction fill in much of the detail for you to check.
Each record updates the estimated tax for the year. At year end, download the PDF summary to support your return.
How the figures are calculated, and where your data is kept.
The security page explains how encryption, documents, bank feeds and access control work.
Tax App is free while in early access.
Free
Every feature is included while Tax App is in early access. No card is required.
If paid plans are introduced, existing users will be told well in advance.
Yes. Every feature is free during early access, and no card is required. If paid plans are introduced, existing users will be told well in advance, and nothing will be charged without their explicit agreement.
An organisation is unused when nobody signs in to it or uses it through a connected AI app. Because Tax App is free, we may disable an unused organisation, and may delete one that nobody has signed in to for more than 3 months. Before deleting it, we make a full copy of its records and files and email its owners a link to that copy, which works for 90 days. The terms of use set out the details.
Income tax is calculated from the Inland Revenue (IRD) brackets and credits in force for each tax year, so past years use the rates that applied at the time. Because IRD taxes your total income, the app stacks your income in a fixed order: PAYE salary first (already taxed by your employer), then commission, then rental income. It then shows the additional tax each source adds. Any figure can be checked against the IRD calculator. Confirm final figures with IRD or your accountant before filing.
Your records are stored on AWS infrastructure in Auckland, New Zealand, and the daily backups are held in New Zealand as well. The default rule of Inland Revenue (IRD) is that business records are kept in New Zealand. The rules also permit offshore storage with IRD approval or through an IRD-approved provider, and offshore backups where the primary records remain in New Zealand. We keep both records and backups in New Zealand by choice. The app's server, passwords and keys are also in New Zealand. Data is encrypted in transit and at rest. Passwords are encrypted in your browser before transmission and stored only as salted hashes, and you may sign in with Google instead. Email is sent from Sydney (with a US-based backup service), and the app's own files are served from Sydney; neither stores your records, apart from email replies, which are held for up to 30 days. If your organisation turns on address lookup with its own Addressfinder account, lookups go to Addressfinder, a New Zealand company, which keeps what you type and the address you choose in its logs in Australia for up to 14 days. The address you save, with where it is on the map, stays with your records in Auckland. The small map under an address is drawn from OpenStreetMap, based in the United Kingdom, which sees your IP address and the area of the map shown, but not the address itself. If you choose View on OpenStreetMap, it also receives the exact spot on the map.
A few, each only for its own job. AWS runs the app and keeps your records in Auckland. Amazon SES sends email, with Resend as a backup. ipwho.is turns an IP address into a rough location. Google reCAPTCHA guards the contact form on this website. Google Fonts supplies the typeface the app uses. Everything else is used only when you turn it on: Sign in with Google, Akahu for bank feeds, Xero, Tenancy Services, Addressfinder for address lookup, OpenStreetMap for the map under an address, the AI provider your organisation chooses, and any AI app you connect. The service providers page lists each one, with when it is used and what it receives. We do not sell your information or share it with advertisers.
Yes, in three ways. You can invite your accountant to your organisation as a read-only member. You can send them the PDF tax summary and rental profit and loss reports at year end. Or you can schedule a report to be emailed to them monthly, quarterly, or at whatever interval suits you both.
Yes. Any report can run on a schedule (daily, weekly, monthly, quarterly, or once on a chosen date) and be emailed as a PDF. Each schedule is addressed to one of your contacts and can be copied to as many others as you like, so your accountant and a co-owner can receive the same statement. Each schedule shows when it next runs, and states clearly if a send has failed.
Yes. GST and ACC levies are worked out on each commission income record, and so is KiwiSaver for contractors who contribute. The annual tax summary itemises each of them.
Yes, in two ways: connect a bank feed through Akahu and import transactions directly, or upload CSV statements exported from your bank. Either way, the reconciliation screen matches each transaction against your records, remembers your regular payers, and lists any transactions that have not yet been recorded.
The connection runs through Akahu, a New Zealand open banking provider. Tax App never asks for, or sees, your internet banking login. The app holds only access tokens that can read transactions. They cannot move money. The tokens are stored encrypted and never displayed again, and you can revoke them at Akahu or disconnect in the app at any time. The security page explains how all data is protected.
Your income records become sales invoices in Xero and your expenses become bills, each carrying its date, amount, contact and account. Income arrives already marked as paid, because Tax App records only money you have received. Expenses arrive as bills with their invoice due date and are marked as paid when you reconcile them, which is when the money is known to have left your account. Nothing is deleted or overwritten on either side, and no record is sent twice, however often you sync. The Xero guide explains the arrangement in full, including what the connection does not do.
Rarely. Every organisation starts with the same chart of expense accounts that Xero starts with, using the same codes: Advertising is 400 in both, and Repairs and Maintenance is 473 in both. Three accounts that Xero does not provide are also added, because landlords need them: Rates, Water and Property Management. The two charts therefore agree from the outset. You can change any account, and each one shows its code beside its name.
No. Every record sent to Xero carries a reference naming its line of business, so a single Xero organisation that holds both a rental and a practice can still report on each separately. Bank accounts are also set for each kind of income and expense, so rent is settled against the account it is banked into, and commission against its own.
No. Xero is a full accounting suite with invoicing, payroll and GST returns, and it is where most accountants work. Tax App is a simpler tracker for commission income, rentals and household expenses that estimates your tax position through the year. If you connect the two, you keep your records once, in Tax App, and they are sent to Xero, where your accountant expects to find them. You file in myIR or through your accountant.
No. You approve the connection at Xero, which asks which of your organisations to share and issues a key that gives access to that organisation alone. Tax App never sees your Xero login. You can withdraw permission in Xero at any time, or disconnect in the app. Nothing is removed from either set of records when you do.
Yes. Income and expense lists export to CSV, and every report downloads as a PDF. You can also export your organisation's complete data as a single archive, and you can delete your account and its data at any time.
Xero and MYOB are full accounting suites for businesses, with invoicing, payroll and GST returns. Hnry acts as a tax agent for sole traders and charges a percentage of income. Tax App is a simpler tracker for commission income, rentals and household expenses. It estimates your tax position through the year and organises the information you or your accountant need for filing. Tax App is not a tax agent and does not act on your behalf with Inland Revenue (IRD).
Create a free account and begin recording this tax year's income and expenses.