More Than a Tax Return, Your Full Financial Picture

Personal accounting isn’t just about filing a return, it’s about getting your tax position right year-round. Accurate reporting and proactive planning help you avoid penalties and ensure you’re not overpaying.

We guide you through rental income, overseas earnings, tax credits, and deductions, while helping you plan ahead. With increasing IRD scrutiny, having the right advice keeps you compliant, informed, and in control.

Complete Personal Tax & IRD Compliance Services

Annual Personal Tax Returns (IR3 / IR526 / IR330)

We prepare accurate and timely IRD tax returns covering salary, investments, rental income, overseas earnings, and deductible expenses. Our team ensures nothing is missed and everything is filed correctly, giving you confidence your tax obligations are handled properly.

IRD Compliance & Disclosures

If you’ve received an IRD letter or have overdue filings, we step in quickly. We manage audits, voluntary disclosures, payment plans, and compliance reviews, helping you resolve issues efficiently while reducing stress and potential penalties.

Rental Property Accounting

We provide full tax support for landlords, including interest limitation rules, bright-line tests, depreciation, and expense management. Our advice ensures your rental portfolio remains compliant while structured in a tax-efficient way.

Overseas Income & Investments

We help you correctly report foreign income, including dividends, pensions, shares, crypto, trusts, and FIF investments. Our team ensures compliance with IRD requirements while minimising unnecessary tax exposure.

Sole Trader & Contractor Accounting

For self-employed individuals, we manage GST, provisional tax, income tracking, and expense claims. We help you stay organised, compliant, and tax-efficient so you can focus on running your business.

Personal Tax Planning & Advice

We provide forward-looking advice to help you structure income, manage tax liabilities, and plan for long-term financial goals. It’s not just about filing returns; it’s about making smarter financial decisions year-round.

Supporting Individuals, Families & Everyday New Zealanders

Salary earners wanting simple, accurate annual tax returns

Property investors and landlords managing rental income obligations

Individuals with overseas income or offshore investments

Contractors, freelancers, and sole traders needing tax support

High-income earners with more complex financial structures

Families seeking long-term financial clarity and confidence

Talk to one of the team today.

Stephen Tsang

Director

Carole Pedder

Director

Nick Ashford

Director

Amy Xia

Partner

Why choose PKF Withers Tsang

  • Chartered Accountants with over 25 years of experience.
  • Data-driven, cloud-based systems: modern tools delivering real-time insights.
  • We provide a dedicated Partner and Client Manager for all communication. We strive to create a collaborative relationship that understands the challenges and goals of a business and its owners.

Need Help With Your Personal Tax Return?

From rental income to overseas investments, PKF Withers Tsang delivers accurate, compliant personal accounting services that take the stress out of tax time. Whether your situation is simple or complex, we’ll make sure it’s done right — every year.

Book your personal tax consultation.

Personal Accounting FAQs

You’ll typically need to file an IR3 if you earn income outside of PAYE, such as rental income, self-employment income, or overseas earnings. If you’re unsure, we can assess your situation and confirm your obligations.

Yes, we support landlords with everything from annual tax returns to navigating interest limitation rules, bright-line tests, and deductible expenses. We ensure your property investments remain compliant and tax-efficient.

In most cases, yes. New Zealand tax residents are required to declare worldwide income, including dividends, pensions, and foreign investments. We help ensure everything is reported correctly and in line with IRD requirements.

Don’t panic, but don’t ignore it either. We can review the letter, respond on your behalf, and manage any audits or enquiries. Early action usually leads to better outcomes and reduced penalties.

Absolutely. We assist with GST registration, filing, expense tracking, and identifying legitimate deductions. Our goal is to keep you compliant while ensuring you’re not paying more tax than necessary.