How it compares

Four ways to handle NZ business tax

Most businesses pick one of four approaches. Here is what each really costs, who files at the end of it, and — the part comparison pages usually leave out — when SaaSy Tax is the wrong answer.

Approach	Typical cost	Who files	Suits you if	Worth knowing
SaaSy Tax	From $39/month, ex GST	You file, in myIR	You want the figures always current and are happy to file them yourself.	Prepare-only. No payroll, PAYE, FBT, dividends, or a completed IR4.
All-in-one platforms with accountants included	Typically $70–150/month	Their accountants file for you	You want filing taken off your plate entirely and will pay for it.	Usually wants your bank accounts linked, and some hold your money in their own wallets.
Services that take a percentage of income	A cut of every payment you receive	They file for you	Contractors with straightforward income who want it fully hands-off.	Cost scales with your earnings, so a good year is an expensive year. Often built for sole traders rather than companies.
Full accounting suites	Roughly $30–90/month, plus your accountant	You or your accountant files	You have inventory, payroll, multi-currency or an accountant already inside the system.	Built for people who know accounting. Tax position is rarely current without a bookkeeper keeping it that way.
A spreadsheet, then an accountant in April	$0/month, then a year-end bill	Your accountant files	Very low volume, or you genuinely enjoy the spreadsheet.	The position is only true once a year, so provisional tax and GST are guesses until someone reconciles it.

Costs for other approaches are typical NZ ranges as at July 2026 and will vary by provider and plan — check their current pricing before deciding. SaaSy Tax pricing is on the homepage.

When to choose something else

No tool suits every business, and pretending otherwise wastes your time and ours.

You want somebody else to file your returns

Choose an all-in-one platform with accountants included, or keep your accountant. SaaSy Tax prepares the figures and stops there — filing is your signature, deliberately.

You run payroll, or need FBT, dividends or imputation credits

These are out of scope here. You want a full accounting suite and an accountant, with SaaSy Tax alongside at most.

You want bank transactions to arrive automatically

There is no bank feed, by choice — no bank credentials are ever asked for. If a live feed matters more than that, a platform with bank linking will suit you better.

Your business is inventory-heavy or multi-currency

A full accounting suite is the right tool. This is built for service businesses, trades and online sellers with straightforward books.

Where SaaSy Tax is hard to beat

Your bank login is never asked for, and no one holds your money.

Every figure links to the IRD rule behind it, so you can check the working.

A flat monthly price that does not rise when you have a good year.

The tax position is current every week, not reconstructed in April.

Read-only access for your accountant, free, on the Premium plan.

Try it against your own numbers

Import one CSV and see your real GST and tax position. Fourteen days free, and you can export everything if you leave.

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Estimate, not advice · you file in myIR