For freelancers, sole traders, and independent contractors in NZ.
Every paid invoice gets split into GST and income tax on the spot. You always know what's yours and what belongs to IRD, without spreadsheets or a quarterly scramble.
What's in your account, what's spoken for, what's actually yours.
Yours to spend
$15,556.41
Upcoming IRD due dates
| Event | Due | In |
|---|---|---|
| GST return (May) | 28 / 06 | 26d |
| Provisional tax P1 | 28 / 08 | 87d |
Recent activity
A two-minute walk through the everyday flow: raise an invoice, mark it paid, and watch the GST and income tax ringfence update on the dashboard.
Coffer helps you manage your money and stay on top of your tax events. Clients pay you directly; Coffer takes care of the tax math: GST and income tax ringfenced per payment, IRD due dates tracked, available-to-spend calculated.
What you'd otherwise track in a spreadsheet, kept current as you invoice and spend.
Updates the moment you mark an invoice paid. 15% of the ex-GST amount, ready for your next return. No spreadsheet, no quarterly reconcile.
Coffer walks the current NZ tax brackets on your projected annual income, so the ringfence per invoice matches what you'll actually owe. Year-end stops being a scramble.
When operating cash, IRD-owed tax, and everyday/savings share one account, Coffer shows what's yours after the ringfences. The number stays honest, your bank balance starts to mean something again.
Record a deductible business cost and Coffer folds the GST you claim back and the income tax it saves into the totals. Attach a photo or PDF receipt to keep it on file.
Add a client, write an invoice, email it. Coffer does the bits between.
Add each client once: business name, billing address, email, GST number. Optional per-client invoice prefixes, so Acme gets ACME-2026-01 and Globex gets GBX-2026-01.
Multi-line items with quantity x unit price. GST gross-up shown live. Year-by-year numbering auto-increments. IRD compliant PDF ready to send.
Email the PDF straight from Coffer or download and send your way. One click marks it paid when the money lands; the outstanding ledger sorts by due date.
Your active clients, kept in one place.
| Name | Invoices | Last issued | |
|---|---|---|---|
| Globex Limited | accounts@globex.co.nz | 3 | 19 Jun 2026 |
| Acme Studios | ap@acmestudios.co.nz | 4 | 12 Jun 2026 |
| Initrode Ltd | finance@initrode.com | 2 | 30 May 2026 |
| Initech | ap@initech.co.nz | 5 | 22 May 2026 |
Add your logo in Settings and every invoice carries it. The PDF goes out client-ready, IRD compliant, no Coffer watermark on it.
Tax Invoice
Northline
Design Studio
From
Northline Studio
Maya Thompson
123 Main Street, Auckland 1010
hello@northline.studio
GST 123-456-789
Billed to
Globex Limited
Level 9, 456 Elm Street
Auckland 1010
accounts@globex.co.nz
Set your pay, pick a frequency, see the breakdown across every period. Salary-earner view; the live app projects your contractor-specific numbers from your real invoices.
Your pay
NZ 2025-26
Coffer ringfences (per hour)
Yours
$173,178.50/ year
$83.26 / hour
Salary comparison
Per pay period
| Hour | Week | Fortnight | Month | Year | |
|---|---|---|---|---|---|
| Gross | $120.00 | $4,800.00 | $9,600.00 | $20,800.00 | $249,600.00 |
| PAYE | $36.74 | $1,469.64 | $2,939.29 | $6,368.46 | $76,421.50 |
| ACC | $0.97 | $38.88 | $77.76 | $168.48 | $2,021.78 |
| KiwiSaver | $3.60 | $144.00 | $288.00 | $624.00 | $7,488.00 |
| Student loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Take home | $78.69 | $3,147.48 | $6,294.95 | $13,639.06 | $163,668.72 |
Salary-earner take-home (PAYE, ACC Earners' Levy, KiwiSaver, Student Loan). Contractors pay ACC CoverPlus levies instead; Coffer projects your real numbers from invoices.
Want more? See all of Coffer's free tools, including what a business expense really costs you.
Coffer ships small and ships often. Here's what's queued up next.
Read your operating balance and see invoice payments land in real time. Coffer never touches your money; the bank still holds everything.
Hand your accountant a scoped, read-only view of your invoices and tax events. They grab what they need; you stay in control.
Coffer in your pocket. Mark invoices paid, check your ringfence, log a payment. All without opening a laptop.
Plenty more on the way.
Built for freelancers, sole traders, and independent contractors in New Zealand.