← New Zealand hubs Personal Trainer
New Zealand English (English) $ NZD
Harrison is a self-employed personal trainer navigating the hustle of the NZ fitness industry while managing his own taxes and ACC levies. This hub helps him stay on top of his business obligations, health cover, and the various national supports available to independent contractors.
Essential for filing GST and managing income tax as a sole trader.
myIR Secure Online Services national · Inland Revenue Department
Who qualifies All tax-paying individuals and business owners in NZ.
What you get Free; requires RealMe login and IRD number.
Common gotcha Forgetting to file a 'nil' GST return if business was slow for the quarter.
New Zealand Business Number national · MBIE
Who qualifies Any business entity or sole trader.
What you get Free; takes 5 minutes to register online.
Common gotcha Thinking it replaces your IRD number; it doesn't.
ACC CoverPlus national · Accident Compensation Corporation
Who qualifies Self-employed individuals.
What you get Calculated based on your annual earnings; invoice sent annually.
Common gotcha Assuming you are covered for illness; ACC only covers accidents.
KiwiSaver for Self-Employed national · Inland Revenue / Private Providers
Who qualifies NZ residents aged 18-65.
What you get Voluntary contributions; no set fee.
Common gotcha Forgetting to make the voluntary contribution before June 30 to get the full match.
Small Business Cashflow Loan Scheme national · Inland Revenue
Who qualifies Small businesses with 50 or fewer employees.
What you get Requires business financial records and IRD verification.
Common gotcha Strict repayment terms if the business doesn't meet growth targets.
business.govt.nz tools national · MBIE
Who qualifies All NZ business owners.
What you get Free access.
Common gotcha Not using the 'Compliance Matters' tool to check local council requirements. Even trainers get sick; accessing public health services when needed.
Publicly Funded Health Services national · Te Whatu Ora
Who qualifies NZ citizens and permanent residents.
What you get Requires enrollment with a local GP practice.
Common gotcha Not all GP services are free; 'co-payments' apply.
PHARMAC Subsidised Medicines national · PHARMAC
Who qualifies Anyone with a valid prescription.
What you get Standard $5 co-payment per item.
Common gotcha Some specialized supplements or brand-name drugs aren't subsidized.
Access and Choice Mental Health Services national · Te Whatu Ora
Who qualifies Anyone experiencing mild to moderate mental health distress.
What you get Referral through your GP.
Common gotcha Wait times can be long in high-demand urban areas.
National Screening Programmes national · National Screening Unit
Who qualifies Specific age and gender cohorts (e.g., bowel screening 60-74).
What you get Free; invitation sent via mail.
Common gotcha Not updating your address with the health system means missing invitations.
Emergency Dental Care national · Te Whatu Ora
Who qualifies Low-income earners or those in acute pain.
What you get Requires proof of income or hardship application.
Common gotcha Routine checkups are not covered for adults.
National Immunisation Schedule national · Ministry of Health
Who qualifies All residents.
What you get Free at most pharmacies and GP clinics.
Common gotcha Some travel vaccines are not covered.
Harrison travels to clients' homes and gyms; needs to know about road rules and vehicle costs.
Vehicle Registration (Rego) national · Waka Kotahi NZTA
Who qualifies All vehicle owners.
What you get Annual fee based on vehicle type.
Common gotcha Driving with an expired rego leads to immediate fines.
Warrant of Fitness (WoF) national · Waka Kotahi NZTA
Who qualifies All light vehicle owners.
What you get Inspection fee ($50-$80) every 6-12 months.
Common gotcha Failing a WoF means you cannot legally drive the car until fixed.
Road User Charges (RUC) national · Waka Kotahi NZTA
Who qualifies Diesel vehicle owners.
What you get Pre-paid distance units.
Common gotcha Forgetting to update your RUC distance before you hit the limit.
SuperGold Card national · Ministry of Social Development
Who qualifies Seniors aged 65+.
What you get Free card issued upon turning 65.
Common gotcha Not all retailers offer the discount; check before buying.
EV Road User Charges national · Waka Kotahi NZTA
Who qualifies Electric vehicle owners.
What you get Paid per 1,000km.
Common gotcha EV owners must manually track and pay RUCs now.
Driver Licence Renewal national · Waka Kotahi NZTA
Who qualifies All drivers.
What you get Renewal fee every 10 years.
Common gotcha Expired licence invalidates insurance.
Dealing with gym equipment suppliers, insurance companies, and client disputes.
Consumer Guarantees Act (CGA) national · Commerce Commission
Who qualifies All consumers.
What you get Free; enforced through the Disputes Tribunal.
Common gotcha Thinking 'no refunds' signs override the law; they don't.
Privacy Act Complaints national · Office of the Privacy Commissioner
Who qualifies Anyone whose personal data has been mishandled.
What you get Free service.
Common gotcha Must complain to the organization first before the Commissioner.
Insurance & Financial Services Ombudsman national · IFSO Scheme
Who qualifies Policyholders in dispute with their insurer.
What you get Free service.
Common gotcha Only covers disputes with member companies.
Fair Trading Act national · Commerce Commission
Who qualifies All market participants.
What you get Free reporting portal.
Common gotcha Does not apply to private sales between individuals.
Tenancy Tribunal national · Tenancy Services
Who qualifies Renters and landlords.
What you get Small application fee.
Common gotcha Must have evidence of communication before applying.
Human Rights Commission Mediation national · Human Rights Commission
Who qualifies Anyone facing discrimination.
What you get Free.
Common gotcha Focuses on mediation rather than litigation.
One honest app. Real lives, real businesses. Free for what people need, paid only for what runs a business — on our own model, our own metal.
Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
