Get more flexibility with your provisional tax payments, while saving time and money

TMNZ offers a better way to manage provisional tax, so you can optimise your cashflow and even earn additional revenue. All while reducing costs and saving time.

Pay provisional tax when it suits you

With TMNZ you can pay provisional tax when it suits your business cashflow and we make sure everything is settled on time with IRD.

Save on IRD interest and late payment penalties

If you have provisional or terminal tax owing to IRD, you can save up to 30% on interest costs and eliminate late payment penalties altogether.

Get some cover during tax audits

TMNZ has the largest tax pool in the country, with the oldest tax going back as far as 2009. This means that we’re in the best position to help your clients with any historic liability arising from a tax audit or voluntary disclosure.

Get full control and earn more on surplus tax

If you tend to overpay tax, by depositing into the TMNZ tax pool, you get more choice over what to do with your funds. You can earn interest on overpayments (more than you would through IRD), move the funds forward to the next financial year or even draw on it as a line of credit.

There are two ways we can help with your provisional tax


Want provisional tax payments to match your cashflow?

Flexitax® gives you cashflow flexibility so your provisional tax payments suit your business, without worrying about IRD interest or late payment penalties.

  • Choose to pay provisional tax in lump sums or spread out tax payments over time (up to 75 days after your terminal tax date).
  • The interest charged is tax deductible and based on competitive lending rates (lower than bank overdraft fees). Approval is guaranteed and no security is required.


Want to postpone an upcoming provisional tax payment?

Tax Finance allows you to take control over a future provisional tax payment date and gives the certainty of a fixed fee paid upfront.

  • Choose a preferred date to pay, and make your provisional tax payment on the date you chose. We then transfer back-dated tax into your IRD account so it’s as if you paid on time.
  • The fee is also tax deductible and based on competitive lending rates. Approval is guaranteed and no security is required.

How Matt Hannah at Adroit Builders started to do tax on his terms

Matt Hanna, Adroit Builders

Flexitax for better cashflow management

By working with TMNZ, Adroit gained the flexibility to ride smoothly over their cashflow highs and lows. Instead of paying provisional tax on the specific dates required by the IRD, TMNZ deferred Adroit’s payments to a later date that suited their cashflow.

Putting staff first instead of provisional tax

As they expanded during the building boom, the additional profit Adroit made put the company into a higher tax band. This made balancing the books difficult when provisional tax came along. By using Flexitax, they can use their cashflow as it is needed so they no longer have the stress of knowing whether they can pay staff at the end of the week.