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Small Business Accounting Software New Zealand

Do you have small business in New Zealand? Did you find trouble in managing your business cash efficiently? In your opinion, what is the best accounting software for small business in New Zealand? How to save money on small biz accounting software in NZ?

Hello, as you are an owner of a business, you might want to know different things like the annual revenue or outgoings of your business. You can easily figure out these figures by using the right kind of accounting software; it is known as small business accounting software NZ.


Xero's Homepage
Best forSmall businesses
ProductsStarter, standard, and premium accounting software
AddressWellington HQ   19-23 Taranaki Street, Te Aro, Wellington 6011  
Wellington   181 Wakefield Street, Te Aro, Wellington 6011  
Auckland   Te Ara Turoa, 96 St Georges Bay Road, Parnell, Auckland 1052  
Napier   2 Bridge Street, Ahuriri, Napier 4110
Contact DetailsContact them from the bottom of their support articles
PricesStarter Plan   $27.50/month excluding GST  
> Optional Extras  
Payroll: from $10/month
Track projects from $10 per user  
Standard Plan   $60/month excluding GST  
> Optional Extras  
Claim expenses: from $5 per user
Payroll: from $10/month
Track projects from $10 per user  
Premium Plan   $75/month excluding GST  
> Optional Extras  
Claim expenses: from $5 per user
Payroll: from $10/month
Track projects from $10 per user


Xero provides all the useful tools and features to run your business, from sending invoices to monitoring business profitability and customising the software.

Widely used by many independent reviewers, business owners, accountants, and bookkeepers, Xero certainly has the best accounting software in NZ!

From their 3 plans, you can choose between Starter, Standard, and Premium options.

The Starter plan starts from $27.50/month, affordable and comes with limited features since you can only send 20 invoices and quotes as well as make 5 bills.

On the contrary, the Standard Plan lets you create invoices and bills without limit, record expenses for 1 person, and reconcile bank transactions, to name a few.

If your business is already established, the Premium Plan could be what you need. In addition to the features of both Starter and Standard plans, the premium plan enables you to transact with international clients through different currencies.

Also, Xero has an online app store with over 800 programmes, including Xero Expenses and Xero Payroll. These can be added into your software to give your business an edge.


  • Affordable starter plan
  • Can link to third-party apps (like Stripe and Vend)
  • 24/7 customer support


  • Starter plan lacks features



Wave is an ideal accounting software platform for a service-based small business that sends simple invoices and doesn’t need to track inventory or run payroll. For many freelancers or service-based businesses, Wave’s free features will cover all of their accounting needs and is the best free software in our review. At year-end, accountants can pull the necessary reports from Wave to prepare a business’ tax return.Pros

  • Free accounting, invoicing, and receipt scanning
  • No transaction or billing limits
  • Run multiple businesses in one account
  • Unlimited number of users
  • Mobile app


  • Limited third-party app integrations
  • Higher fees for credit cards and ACH payments
  • Full-service payroll is limited to only 14 states
  • No inventory management

Wave was founded in 2010 and is based in Toronto. The company has over 250 employees and was purchased by H&R Block in 2019.34 The foundational accounting features that most small businesses need, such as income and expense tracking, financial reporting, invoicing, and scanning receipts, are all included with this free software. These features can be accessed online or on the mobile app. Customer payment processing and payroll are considered premium services that cost extra, but all of the bookkeeping, invoicing, and reporting features are completely free.

Wave makes its money on its payment gateway. To process payment from a customer, Wave charges 2.9% plus 30¢ per transaction for Visa, Mastercard, and Discover, and 3.4% plus 30¢ per transaction for American Express. These fees are slightly higher than other accounting software. Additionally, to process an ACH payment, rather than a credit card, Wave charges 1% per transaction with a $1 minimum fee. This is unique to Wave, as the majority of accounting software does not charge a fee for ACH payment processing. 

Wave offers two payroll plans as an add-on service. The first plan is $20 per month plus $6 per employee or contractor. In this plan, Wave will process payroll and prepare payroll tax calculations, but the user is responsible for manually completing payroll tax forms and submitting tax payments. The second plan is $35 per month plus $6 per employee or contractor. In this plan, payroll is full-service, which means that all tax filings and payments are completely managed by Wave. This full-service payroll option is only available in 14 states.

OneUp: Best for sales teams

Best for sales teamsOneUp

  • Starting at $9.00/mo.
  • CheckLow starting price
  • CheckPlan-limited users
  • CheckUnlimited invoicing

See Plans

Data as of 11/5/21. Offers and availability may vary by location and are subject to change.

All of OneUp’s plans include customer relationship management (CRM) features, which makes it perfectly suited to sales teams that frequently follow up with customers. Plus, it’s affordable: pricing for one user starts at $9 per month. If you’re a Mac user, though, you’re out of luck: OneUp works only for Windows users. And while every OneUp plan includes all of OneUp’s features, its plans limit your user numbers. Only the priciest plan, which starts at $169 a month, includes unlimited users.


In a country as beautiful as New Zealand, there are bound to be businesses that want to share the joy of it. If you own a business in NZ, why not make use of local resources to help you? We at Meetcute have been doing business with Kiwis for over a decade, providing our online accounting software free of charge. When you need an accountant, you can book an appointment through our platform and find one who suits your needs. Our online accounting software is compatible with Mac, Linux or Windows to choose from so you can take care of your business wherever you are! Why leave your business at home when it can come along with you?

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