Budget Planner
Your trusty map. Plug in what you earn in a typical month, then plan where every dollar goes — business, tax, personal. If the maths doesn't balance, better to find out here than at year-end.
On track. Keep an eye on it monthly so a slow week doesn't sneak up on you.
Your trusty map to running a profitable business.
A budget is a plan stating how you intend to earn and spend your money. It gives you a clear view of where you stand, so you can make informed decisions on the fly — and steer your business towards your goals with confidence.
As a sole trader, you and your business are intertwined — which means you're really managing two budgets at once: one for the business, one for your personal life. The trick is balancing them.
- · Overheads — rent, power, phone, software subs
- · Cost of goods sold — supplies, parts, materials
- · Marketing & growth — ads, new tools, expansion
- · Basics — rent / mortgage, power, groceries
- · Downtime — holidays. Even solo operators need a breather.
- · Fun money — small treats, no guilt
- · Savings & investments — emergency reserve, KiwiSaver, future you
If you're growing the business, expect a little less take-home for a while. If you're growing the family (congrats!), scale back business spend.
Either way: check in monthly, adjust on the fly, cover immediate needs and long-term growth, and always keep a cushion for surprise expenses.
Numbers not adding up?
That's literally our day job. Tax planning, budgeting, GST returns — let us handle the spreadsheets so you can swing the hammer.