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Everything to invoice, and to know what is really yours

Coffer covers the money side of contracting for you: raising invoices, setting aside GST and income tax as you get paid, tracking deductions, and handing clean figures to your accountant at year-end.

Invoicing

Raise a professional invoice in a couple of minutes and send it straight from Coffer.

  • Create and send invoices with GST worked out for you.
  • Branded PDF invoices your clients can pay against.
  • Quotes you can turn into an invoice when the work is won.
  • Invoice numbering templates that stay consistent per client.
  • A client list, so details fill themselves in next time.
  • Mark an invoice paid and watch it flow into your ringfence.

Ringfencing your tax

The heart of Coffer: it separates what is yours to spend from what is owed later.

  • GST set aside from every paid invoice, tracked against your returns.
  • Income tax reserved as you get paid, so provisional tax is not a shock.
  • One clear number: your bank balance, minus what is ringfenced for IRD.
  • A detailed breakdown showing the rate behind every reserved dollar.
  • ACC levies folded into the picture, not forgotten.

Expenses and deductions

Record what you spend through the year so your deductions are ready at return time.

  • Log expenses with GST and attach the receipt.
  • The home-office deduction, worked out and kept with its basis.
  • Capital assets depreciated year on year, with a schedule to show for it.

Bank and cash

Keep Coffer's picture of your cash current, including a revolving credit account.

  • Record your bank balance as a snapshot, with a history you can look back on.
  • Built to understand a revolving credit (Flexi) account, not just a cheque account.
  • Pots, for money you want to keep aside for a purpose.

The IRD calendar

Coffer tracks your due dates so a provisional tax or GST date does not sneak up.

  • Provisional, terminal, and GST dates tracked with a countdown.
  • Log what you have paid to IRD, so the ringfence stays accurate.
  • Each fiscal year closes cleanly, with the right rate applied.

A portal for your accountant

Invite your accountant to a scoped, read-only view when it is time to file.

  • Read-only access to your invoices, expenses, and IRD payments.
  • Filing reports (GST, income and expenditure, registers) on screen, as CSV, or as PDF.
  • A year-end tax pack they can download in one go.
  • You invite and revoke access; you stay in control.

See where you actually stand.

A calm invoicing and tax tool for contractors in New Zealand.

Try Coffer now

Coffer

Calm invoicing and tax tracking for independent contractors in New Zealand.

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Coffer keeps the numbers behind your contracting straight through the year: what you have invoiced, what you have spent, and what you owe. It works out the figures and keeps the records, but it is not tax advice and does not stand in for your accountant or IRD. Its job is to make sure the numbers you take to them are right.

© 2026 Coffer. Made in New Zealand.