Guides
Mr's guides for New Zealand owners
For the moments before a funding conversation — tax dates, growth spurts, IRD calls and the summer shutdown. Researched from official New Zealand sources and written plainly.
Cash flowEmployersIRD & taxPlanningGrowthTax
Your Christmas shutdown cash plan: surviving December to February
Holiday pay, the 15 January tax date and a slow restart: a practical cash plan for New Zealand businesses closing over the 2026–27 Christmas break.
3 October 2026
KiwiSaver went up to 3.5%: what it really costs your business
The default KiwiSaver rate rose to 3.5% on 1 April 2026 and rises to 4% in 2028. How to work out the real cost to your payroll and plan cash flow.
3 October 2026
IRD has called about your debt: what to do in the first week
Inland Revenue is calling businesses with overdue GST, PAYE and income tax. A calm, day-by-day plan for the first week after IRD gets in touch.
3 October 2026
How to build a twelve-month cash flow forecast (that IRD and lenders trust)
A step-by-step twelve-month cash flow forecast for New Zealand businesses, with GST, PAYE and provisional tax built in. Useful for IRD, lenders and you.
3 October 2026
Growing too fast: why profitable businesses run out of cash
Sales are up, the order book is full, and the bank account is empty. Why growth eats cash in New Zealand businesses, how to measure it and how to fund it.
3 October 2026
The second-year provisional tax shock, and how to soften it
Why New Zealand businesses often face a double tax bill in their second profitable year, the provisional tax dates involved, and how to prepare or fund it.
3 October 2026Ready for a straight answer about your business?
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