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New: AI transaction coding now live for all NZ banks via Akahu
Full feature set

Everything your
practice needs.

From live bank feeds to IRD-ready returns — the complete accounting stack built specifically for New Zealand.

14-day free trial · No credit card required

Core features

Everything you need to run a modern NZ accounting practice.

AI Transaction Coding
Every transaction is automatically mapped to the right account with correct GST treatment applied. Review suggestions in bulk and override anything.
Akahu Bank Sync
Connect any NZ bank account via Akahu. Transactions arrive in real time — no CSV imports, no manual reconciliation.
Fixed Asset Register
Track capital expenditure with automated depreciation schedules using IRD-standard pooling and straight-line methods.
GST Returns
GST summaries are always accurate and up to date. Review the figures for your return period and file with confidence.
Document Hub
Attach receipts, invoices, and statements directly to transactions. OCR extraction pulls key data automatically.
Multi-Entity Management
Manage sole traders, companies, trusts, and rental properties under one login with granular access control per entity.

More under the hood

The details that make the difference day-to-day.

Reports
Profit & loss, balance sheet, trial balance, and aged debtors — generated instantly from live data.

Export to CSV or PDF. Always audit-ready.

Audit Trail
Every transaction, edit, and approval is logged with a timestamp and user. The ledger is permanently locked.

Designed to meet IRD 7-year record-keeping requirements.

Bank Reconciliation
Match bank transactions to ledger entries with one click. Unmatched items are surfaced automatically for review.

Smart matching handles common variations in payee names.

The old way vs. ty.money

The same tasks. Completely different experience.

The old way

  • Monthly coding: Pull bank statements, manually code each transaction in a spreadsheet or clunky interface. Hours per client.
  • GST returns: Export data, recalculate in a separate spreadsheet, check the maths, re-enter in myIR. Half a day gone.
  • Receipts: Clients email photos or hand over a bag of paper. You match them up by hand at year end.
  • Depreciation: Maintain a separate asset register. Manually calculate IRD pooling or straight-line each period.
  • Client access: Export reports to PDF, email them. Client has questions, you answer by phone. Repeat.

ty.money

  • Daily bank sync: Akahu imports transactions overnight. AI codes them automatically. Review flagged items in minutes.
  • GST returns: GST summary is always live. Review the period, check the figures, done. No re-entry needed.
  • Receipts: Clients attach photos directly to transactions from their phone. Everything matched in real time.
  • Depreciation: Capital items trigger an asset register entry automatically. IRD schedules calculated each period.
  • Client access: Clients have live read-only access to their own books. Questions answered by looking, not emailing.
NZ Compliance

Built to IRD standards.

GST rates, depreciation rules, and filing periods are baked into the platform — not a configuration option.

GST rate
15% standard
Depreciation
IRD pooling
Filing periods
Monthly / 2-monthly
Record keeping
7-year retention
Encryption
AES-256 at rest
Data region
ap-southeast-2