New Zealand Self-Employed Tax — Frequently Asked Questions
Find answers to the most common questions about self-employed tax in New Zealand. From allowable expenses to filing deadlines, we cover the essentials every freelancer and sole trader needs to know.
What's the difference between the plans?
Free gives you 5 pages with a single AI engine — great for trying it out. Pro is a monthly subscription with 50 pages/month, dual AI cross-verification, unlimited sessions, provisional tax estimates, full export options including CSV for Xero and MYOB, an AI Tax Assistant, and a 14-day free trial.
How does the Free plan work?
Sign up and get 5 pages to process, completely free with no credit card required. It's a great way to see how the tool works before committing.
How are pages counted?
Each page of a PDF bank statement counts as one page. For example, a 12-page bank statement uses 12 pages from your allowance. For the Pro plan, unused pages don't roll over to the next month.
What is the Set-Aside calculator?
After calculating your tax, the Set-Aside feature tells you exactly how much to save each month so you're ready for your provisional tax instalments and annual tax bill. It factors in your next instalment deadline too.
What is Provisional Tax?
Provisional tax is how New Zealand sole traders pay income tax in advance throughout the year, rather than in one lump sum. If your residual income tax (RIT) was more than NZ$5,000 in the previous year, Inland Revenue will ask you to pay provisional tax in three instalments: 28 August, 15 January, a
Can I use this to file my IR3?
AnyDayAnyTax is a tax calculator and preparation tool, not a filing tool. You can use it to understand your tax position, prepare your figures, and then file your IR3 through myIR (Inland Revenue's online portal) or your registered tax agent.
Is my financial data secure?
Absolutely. We use a privacy-first approach: your bank statement data is processed and returned immediately, with no server-side storage by default. All data stays in your browser and is cleared when you close the tab. If you choose to save a session, it is stored securely in our encrypted database
What tax year does the calculator support?
We support the 2025/26 New Zealand tax year (1 April 2025 – 31 March 2026) with accurate income tax rates across all five bands, plus ACC Earners' Levy calculations. Historical data for 2024/25 is also available.
Do I need accounting software to use AnyDayAnyTax?
No. AnyDayAnyTax is a standalone tool. You can export your transactions in CSV format compatible with Xero, MYOB, and QuickBooks if you want to import them elsewhere.