Know what to set aside for tax, and keep it in your own account.

GST, provisional tax and expense claims, each worked out with the IRD rule cited. The tax money stays in your bank, earning your interest, until it's due. $12 a month, flat, never a slice of what you earn.

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Who uses PayWren

IT ConsultantsTradiesDesignersCopywritersPhotographersDevelopersAccountantsMarketing ContractorsArchitectsPersonal TrainersLawyersCoaches

If you invoice clients and work for yourself in New Zealand, PayWren is built for you.

Where your money sits

You hold the tax money. Not a tax agent.

Percentage-of-income services take a cut of every payment and hold your tax for you. PayWren just works out the number and leaves the money where it is: in your own account, earning your interest, until IRD is actually due.

On your dashboard

What's yours to spend, what's IRD's

Every paid invoice splits into two numbers: what's clear to spend, and what to set aside for GST and income tax. PayWren keeps a running monthly set-aside figure, so the money is there when the bill lands, and not a day before.

Yours to spend$4,320

Set aside: GST + income tax$2,580

Illustrative split on a $6,900 paid invoice.

Worked example

Priya, a consultant in Wellington

After a strong first year, her residual income tax lands over $5,000. That tips a sole trader into provisional tax the next year, paid in three instalments. Because the money was set aside as each invoice was paid, and the standard-uplift amounts went in on time, the year-end square-up carried no use-of-money interest, which otherwise runs around 10.9% a year.

Cited: Tax Administration Act 1994, provisional tax (s RC 3), use-of-money interest (s 120D)

Illustrative example, not a real customer.

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What it does