Help
Back to app
All articles
  • Getting started

    • Getting started
  • Invoicing

    • Managing your clients
    • Quotes
    • Creating and managing invoices
    • Invoice numbering templates
    • Marking invoices paid
  • Tax

    • GST in Coffer
    • Income tax and ringfencing
    • The detailed tax breakdown
    • ACC levies
  • Expenses

    • Recording expenses
    • The home office deduction
  • Bank

    • Recording your bank balance
    • Running Coffer with a revolving credit account
    • Pots
  • Settings

    • Setting up your business profile
Browse articles
  • Getting started

    • Getting started
  • Invoicing

    • Managing your clients
    • Quotes
    • Creating and managing invoices
    • Invoice numbering templates
    • Marking invoices paid
  • Tax

    • GST in Coffer
    • Income tax and ringfencing
    • The detailed tax breakdown
    • ACC levies
  • Expenses

    • Recording expenses
    • The home office deduction
  • Bank

    • Recording your bank balance
    • Running Coffer with a revolving credit account
    • Pots
  • Settings

    • Setting up your business profile

Tax

The detailed tax breakdown

The line-by-line worksheet behind the dashboard's ringfenced total: every paid invoice with the rate it was set aside at, expense deductions, IRD payments, unpaid invoices, and a downloadable copy for your accountant.

The Detailed Tax Breakdownis Coffer showing its working. The dashboard gives you one headline - “Ringfenced for IRD” - and this page is the line-by-line worksheet behind it, reconciling to that number to the cent. You'll find it from the dashboard's Yours-to-spend card or the Tax events page.

What the worksheet shows

  • Set aside from income.Every paid invoice, grouped by the month it was paid, with the GST it carried and the income tax set aside for it - including the exact rate each invoice's set-aside was fixed at when you marked it paid, so a past invoice's figure never moves when your projection changes later.
  • Deductions from expenses.Your confirmed expenses, with the GST claimed back and the income tax each deduction saves. A capital asset shows what's been claimed through depreciation so far - not its full cost - and is badged so the smaller figure isn't a surprise.
  • Paid to IRD.The payments you've logged - GST returns, provisional and terminal tax - which draw the set-aside down.
  • Not yet counted.Unpaid invoices. They aren't in the ringfence (no cash has arrived), shown here so you can see what's coming.

The totals row puts it together: set aside, minus deductions (when they're applied - see below), minus payments, equals the dashboard headline. There's also a summary of this year's income projection, since it drives the rate applied to new invoices.

How the ringfenced total is worked out

GSTIncome tax
Accrued from paid invoices$2,700.00$6,066.00
Less paid to IRD−$1,200.00−$0.00
Ringfenced for IRD$1,500.00$6,066.00
Total ringfenced$7,566.00

Your confirmed expenses would reduce this by $150.00 GST and $500.00 income tax, but Coffer is holding the full amount for now.

Set aside from income

June 2026

InvoiceEx GSTGSTIncome taxRate
INV-014Kea Digital · paid 15/06/2026$10,000.00$1,500.00$3,370.0033.7%
INV-013Tui Media · paid 02/06/2026$8,000.00$1,200.00$2,696.0033.7%

Each invoice's income tax is set at its rate when you mark it paid and stays fixed.

The reconcile card assembles the headline - accrued, less paid, equals ringfenced - and each month lists the invoices behind it with the rate their set-aside was fixed at.

When deductions are subtracted

Whether expense deductions actually reduce the ringfenced totals follows your Deduct expenses from ringfencesetting. When it's off (the default), the worksheet still lists every deduction, but marks them as not yet applied - the full set-aside is held until the savings are realised at filing. Either way the worksheet reconciles to the same headline the dashboard shows.

Taking it with you

The worksheet downloads as a spreadsheet file with one row per invoice, expense, and payment - useful for your own records or for handing your accountant the exact composition of the number Coffer is holding. For a per-period GST view shaped like the return itself, use the GST return summary instead; for the year's expense records with receipts, use the export on the Expenses tab.

On this page

  • What the worksheet shows
  • When deductions are subtracted
  • Taking it with you

Coffer. Invoicing for independent contractors.

AboutWhat's newGuidesHelpTermsPrivacy

© 2026 Coffer