Individual & Family
How can we help you with your Personal Tax & Family Entitlements?
Tax isn't just for businesses. Every year, thousands of New Zealanders miss out on tax refunds, family tax credits, and rebates simply because they don't know what to claim. Whether you are a salary earner, a parent, or paying off a student loan, EasyLedger Solutions ensures you meet your obligations while maximizing the money that stays in your pocket.
For many New Zealanders, tax is automatic. But if you have rental income, side-hustle earnings, or overseas investments, you need to file an IR3 Individual Tax Return. Even if you are a standard salary earner, filing a return can often reveal overpayments. Our Individual Tax Returns service reviews your entire financial year to ensure you aren't paying a cent more tax than necessary. We handle expense claims for the self-employed and ensure your income is declared correctly to avoid end-of-year tax bills.
Raising a family in New Zealand is expensive, and the government provides various tax credits to help—but the application process can be confusing. We assist families in applying for and managing their Working for Families entitlements. From the Family Tax Credit to the In-Work Tax Credit and Best Start payments, we review your household income to ensure you are receiving the maximum support available. We also help you adjust your income estimates during the year to prevent the dreaded "wash-up" bill at the end of the tax year.
Child support assessments are calculated by a formula, but that formula doesn't always reflect reality. If your income has changed, or if the formula doesn't account for special circumstances (like high travel costs to visit children or supporting other dependents), you have options. Our Child Support Reviews service supports parents in applying for an administrative review. We help you gather the necessary evidence to present a strong case to Inland Revenue for a fairer assessment.
Your student loan is likely one of your biggest debts. While it is interest-free if you stay in New Zealand, the rules change drastically if you move overseas. We provide Student Loan Management services for borrowers both at home and abroad. We help you track your balance, manage repayment holidays, and ensure you remain compliant with your repayment obligations to avoid late payment penalties and compounding interest.
Did you know there are millions of dollars in unclaimed funds held by the Inland Revenue and the Treasury? This can come from old bank accounts, forgotten insurance policies, or overpaid tax from years ago. We perform professional Unclaimed Money searches on behalf of our clients. We search the official registers, verify your ownership, and manage the claim process to get those funds returned to your bank account where they belong.
Frequently Asked Questions for Individuals
Do I need to file a tax return if I earn a salary?
Most salary earners receive an automatic assessment from the IRD. However, you must file an IR3 return if you earned income other than salary (like rental income, dividends, or cash jobs). You should also file one if you have deductible expenses (like income protection insurance) that the IRD doesn't know about.
Can you help me fix a past tax return?
Yes. If you realize you made a mistake in a previous year, or if you forgot to claim a donation rebate or expense, we can file a "Notice of Proposed Adjustment" or amend your return to correct the record and potentially trigger a refund.
How does Working for Families affect my tax?
Working for Families payments are based on your estimated annual family income. If you earn more than you estimated, you may have to pay some of the credit back at the end of the year. We help you monitor your income throughout the year to update the IRD and avoid these surprise debts.