Welcome to the Resource Hub for The Sole Trader’s Survival Guide to Money.
Here you’ll find all the practical tools mentioned in the book — from budgeting templates to tax trackers — designed specifically for New Zealand sole traders. Every download or Google Sheet template is simple to use, customisable, and made to help you stay confident and in control of your finances.
I welcome your feedback, either on the book itself or the templates below.
Bare Minimum Calculator:
Figure out the absolute minimum you need to earn to keep your life and business running. Enter your essential personal and business expenses to calculate your weekly, fortnightly, and monthly income targets — with optional fields for tax, savings, and emergency buffers.
Rolling 3-Month Budget:
Plan your income over the next three months with clarity. Track confirmed work, expected invoices, and recurring income to get a forward-looking view of your financial stability, one month at a time.
Monthly Budget Template
Manage your finances with a side-by-side view of planned vs. actual income and expenses. Includes sections for savings and tax goals, so you can stay honest about where your money’s going — and where it should be going.
GST Return Tracker
A simple income and expense GST tracker. Enter your income and expenses for each month, and the tracker will calculate GST collected, GST paid, and how much you need to return to (or reclaim from) the IRD.
Monthly GST Return & Expense Tracker
Great for monthly GST filers. Log daily income and expenses, and watch the GST breakdown update in real time. Includes running totals so you always know your net GST position.
Six-Monthly GST Return & Expense Tracker
Perfect for small businesses filing twice a year. Track all GST-relevant income and expenses by date, with built-in calculations for GST collected, paid, and your estimated return or payment due.
Bi-Monthly GST Return & Expense Tracker
This version is designed for New Zealand’s most common GST schedule — filing every two months. Daily inputs auto-calculate your GST return position across each two-month filing period.
Tax Year Tracker
Track income, expenses, and tax throughout the financial year. Designed for NZ sole traders, this tracker includes monthly fields and auto-calculates how much you’ve earned, spent, and what to set aside for tax.
Emergency Fund Tracker
Stay motivated as you build your safety net. This tracker helps you log monthly contributions toward your emergency fund and shows your progress toward your goal with visual feedback.