Last updated 30 October 2026

Prefer a picture? See how your data is protected, step by step.

Who we are

OWED (owed.co.nz) is operated by Ivan Menshchikov, trading as SmallPie (smallpie.co.nz), a sole trader based in Auckland, Aotearoa New Zealand ("we", "us"). For the purposes of the Privacy Act 2020 we are the agency that collects and holds the personal information described on this page.

Privacy Officer. Email info@owed.co.nz or use the contact page. Privacy questions are answered by a person, not a queue.

What we collect, and why

• Income and expense figures. The numbers you type into the calculator are worked out in your browser and never sent to us. The figures you put into a budget are saved to your account when you are signed in.
• Account details. If you create an account: your name, email address, and password (stored only as a salted hash, we cannot read it). Optionally a username, which is how other people find you to share a budget.
• Profile photo. Only if you add one. It is cropped and shrunk on your device first (which removes any location data in the file), stored privately, shown only to you, and deleted when you remove it or close your account.
• Saved budgets. When you are signed in, your budget saves to your account as you edit it. Stored encrypted at rest, with no view of their contents in our admin console. Staff with direct database access could read them; we do not, except to fix a fault you have reported.
• What you add to your budget. If you use the planning tools: spending entries, balances you type in, bills with their amounts and due dates, your pay cycle and payday, and the merchant rules you set. All of it is yours, all of it is behind the same protections, and none of it is visible in our admin console.
• Bank statements you import. The file is read on your device and discarded. Only the rows you confirm are saved: date, amount, description and the category we guessed or you chose. We never connect to your bank and never ask for a login.
• Payslips you read. The PDF is read on your device and discarded. What is kept is a few of the figures it contained: gross pay, take-home pay, PAYE, the pay period, the pay date, how often you are paid, and the employer name printed on it, so the product can check a deposit against it. Nothing is sent to your employer.
• Shared budgets. If you share a budget with somebody, the entries in that shared budget are visible to everybody in it, along with your display name. Nothing from your own budget is.
• Messages. Anything you send through the contact form, so we can reply.
• Cancellation feedback. If you cancel a plan, the reason you pick and anything you choose to write about it. Both are optional; we use them only to improve OWED.
• Payments. If you choose a plan: your plan, the dates of your free trial, your payment history, and the customer and subscription references Stripe gives us. Never your card details.
• What you agreed to. When you tick to agree to the terms (at sign-up or before checkout) we record which version you agreed to, when, and for which plan. If you tick to receive tips and news by email, we record that too, and every later change of mind. This is how we can show what was agreed if there is ever a question.
• Technical data. Standard server logs (IP address, browser type, pages requested) held briefly by our hosting providers for security and abuse prevention. We run no advertising trackers and build no advertising profiles.

Do you have to give us this?

No. The calculator works without an account and without giving us anything. An account needs your name, an email address and a password. The email and password are how you get back in; everything else is optional. If you choose not to give us something, the only consequence is that the feature that needs it won't work (for example, without an account nothing can be saved).

Information about other people

Some features involve someone else. You invite someone to a shared budget by their OWED username; we email them at the address on their own account, and their display name is shown to the others in that budget. If you read a payslip, the employer name printed on it is kept with the figures. Please only share someone's details if you are entitled to, and let them know. When we receive personal information about someone from another user, we tell that person about it when we first contact them, as the Privacy Act requires.

What we never collect

• Your IRD number. OWED has no field for it. We never ask, and we could not store it if you tried.
• Anything from your employer. If you read a payslip, the employer name printed on it is kept with the figures, and that is the only way OWED ever learns who you work for. We never contact your employer.
• Bank account or card numbers. We never ask for them, and there is nowhere on OWED to enter them.

How your information is used

We use personal information only to: keep your account working and show you your budgets; run your plan, including the trial and billing notices; answer your messages; send tips and news if you opted in; keep the service secure and prevent abuse; and meet our legal obligations. We do not sell personal information, we do not run advertising, and we do not use your data to market other products to you. Marketing email is opt-in only. We send occasional tips and OWED news only if you tick the box for it, as the Unsolicited Electronic Messages Act 2007 requires; every such email says who it is from and has a one-tap way to stop, and you can switch it off any time under Account, Consent. Emails about your account, trial and billing are service messages and are sent regardless.

Where your information is held, and who processes it

We use a small number of service providers ("sub-processors") to run OWED. Each receives only what its job requires:

• Supabase: database and authentication, plus private storage for a profile photo if you add one (data encrypted in transit and at rest)
• Netlify: serves the website and its edge functions
• Resend: delivers our emails: sign-in links, trial and billing notices, invitations, and tips only if you opted in. It receives your email address and the message. Open and click tracking is switched off.
• Stripe: processes subscription payments. Your card details go directly to Stripe and are never seen or stored by OWED; we keep only your Stripe customer and subscription references, your plan and your payment history.

Our providers store and process information for us as our agents (section 11 of the Privacy Act 2020), so we remain responsible for it. Supabase stores your account and everything you save in Mumbai, India (AWS ap-south-1); Resend sends our email from Japan; Netlify, Stripe, Google Fonts and Cloudflare operate from the United States and elsewhere. Each is bound by data-protection terms. A current list of providers is available on request.

How long we keep things

• Figures you type into the calculator: saved only in this browser so they are there next payday. Nothing is sent to us. Clear them any time with "forget my figures"; signing out also clears them.
• Saved budgets: when you are signed in, your budget saves to your account as you edit it, and stays until you delete it or close your account.
• Account details, agreement records and email preferences: until you close your account, except the record of the subscription terms you agreed to at checkout (see Deletion below).
• Messages: kept for 12 months after you send them, so we can answer a follow-up, then deleted. Closing your account deletes them straight away.
• Cancellation feedback: until you close your account.
• Anonymised statistics: indefinitely, they contain nothing that can identify you, your pay, or your employer.

Security, and who inside OWED can see what

All traffic is encrypted in transit (TLS). Everything you save is encrypted at rest. Access to personal information is restricted by row-level security in the database itself, the same rule that stops other users from reading your figures also binds our own client software. Payment state can only be written by the payment provider's signed webhook. A small number of authorised administrators can view account records (who has an account, its plan and status) in order to run the service, and the admin console has no view of budget contents. Every privileged administrative action (role changes, trial changes, resetting, disabling or removing an account) is recorded in an audit log that no admin console can edit. We may disable an account that breaches the terms of use; disabling cuts the account's data access immediately and is itself audited. No security is perfect; if we ever suffer a privacy breach that risks serious harm, we will notify the Office of the Privacy Commissioner and the people affected as the Privacy Act 2020 requires, and we will say so publicly on this site.

Your rights under the Privacy Act 2020

• Access: ask what we hold about you and we will show you. We respond to access and correction requests within 20 working days, free of charge.
• Correction: ask us to fix anything wrong and we will, or attach your statement of correction if we disagree.
• Deletion: the "Delete my account" button on your account page removes your account, saved figures, profile photo, messages and email preferences from the service immediately, with no waiting period; backups roll off within 30 days. Some things remain. Payment references are kept for 7 years, as the Tax Administration Act 1994 requires, detached from any profile. The record of the subscription terms you agreed to at checkout is also kept for 7 years, detached from your profile and carrying a one-way fingerprint of your email address, so that a billing dispute can be matched to the terms you agreed to, even if no charge followed. Stripe keeps its own record of your payments under its privacy policy. If you had a free trial, the same one-way fingerprint is also kept on its own, stored with nothing else and used only to stop the free trial being claimed twice by re-registering. Anyone who already knows your address could match a fingerprint to it, so we treat both as personal information and use each only for the purpose described here.
• Deleting single things: a spending entry, an imported row, a balance or a shared cost you delete waits in Recently deleted for 30 days, so an accidental swipe is never the end of it. You can restore it from there or leave it; after 30 days it is removed for good, and backups roll off within a further 30 days.
• Complaint: if you think we've mishandled your information, tell us first and we will put it right. You can also complain to the Office of the Privacy Commissioner, privacy.org.nz, or 0800 803 909.

If something goes wrong

If a privacy breach involving your information happens and it is likely to cause you serious harm, we will tell you and the Office of the Privacy Commissioner as soon as practicable, as Part 6 of the Privacy Act 2020 requires, along with what happened and what we are doing about it.

Children

OWED is a tool for working out pay and budgets and is not directed at children under 16. If you believe a child has created an account, contact us and we will remove it.

Changes to this policy

If we change this policy in any way that matters, we update the date at the top, and, for material changes, email account holders before the change takes effect. We will never quietly reduce your privacy.

Last updated 27 October 2026 · version 2026-10-27.2

1 · The agreement

These terms are an agreement between you and Ivan Menshchikov, trading as SmallPie (smallpie.co.nz), a sole trader based in Auckland, Aotearoa New Zealand, who operates OWED (owed.co.nz) ("we", "us"). You can reach us at info@owed.co.nz. These terms apply when you tick to agree to them, at sign-up or before checkout; we keep a record of the version you agreed to and when. If you use the free calculator without an account, sections 2, 3, 6, 9 and 10 describe the basis on which we provide it.

2 · What OWED is

OWED is an information tool. We take the income and expense figures you supply, apply the official published rates, income tax, the ACC earners' levy, KiwiSaver, student loan, and show you the working. A subscription adds a saved budget, a safe-to-spend estimate for each day until payday, payslip reading, bank statement import and shared budgets. We are not a law firm, an accountant, or a financial adviser, and nothing we produce is legal, financial, tax, or professional advice.

3 · What OWED is not

We do not file anything, withhold anything, or determine your actual tax position, Inland Revenue does that. Your payslip and IRD assessment are authoritative; our calculations are estimates built from the figures you enter. We never contact your employer or IRD on your behalf.

4 · Eligibility and accounts

• You must be 16 or older to have a free account, and 18 or older to buy a plan.
• Give us accurate details, keep your password secret, and tell us at once if you think your account has been compromised. What happens under your login is your responsibility until you do.
• One account per person. You may close your account at any time from the account page, and we delete your stored data when you ask.
• There is one kind of account: an individual one. An account is optional, it exists only so you can save a budget and come back to it.

5 · Your content and your promises to us

The figures you type stay yours. The calculation runs in your browser, so in ordinary use we never receive them at all. If you choose to save a budget to your account, you grant us a limited licence to store it so we can show it back to you, and nothing else, we do not read it, analyse it, or sell it. Payslips and statements are read on your device; only the figures you confirm are saved, and we do not ask for anyone else's pay records.

6 · Acceptable use

You agree not to: use OWED for anything unlawful; probe, overload, scrape, or interfere with the service; attempt to access another person's saved budgets or bypass the database's access controls; resell or re-badge OWED as your own service; present a figure from OWED as an official tax assessment, or alter our output and pass it off as ours; or reverse-engineer the service except where law expressly permits. We may suspend or terminate access that breaches this section, and where behaviour is unlawful we may be required to preserve records for authorities.

7 · Intellectual property

The site, the calculations, the design, the wordmark and everything else that makes up OWED belong to us or our licensors. Your budgets and figures are yours to keep, print and share. Nothing here transfers ownership of our engine or software to you, or of your data to us.

8 · Plans, free trial and payment

The calculator is free, needs no account, and will stay that way. A subscription adds saved budgets, daily spending, the payday timeline, payslip reading, statement imports, goals and history. There are two plans: Monthly, NZ$11 a month, and Annual, NZ$99 a year. Prices are in New Zealand dollars and are the full price you pay: nothing is added at checkout.

8.1 · The free trial

• Your first plan starts with a 7-day free trial, once per person. A trial already used on an account, or on an email address, is not available again, including on a new account.
• To start the trial you choose a plan, confirm you are 18 or older, tick to agree to these terms, and add a card on Stripe's secure checkout. Nothing is charged during the trial. Checkout shows the date the trial ends and the amount of the first charge before you confirm.
• When the trial ends, your card is charged automatically for the plan you chose (NZ$11 or NZ$99), and the plan then renews as set out in 8.2. We email you when the trial starts and again about 3 days before that first charge.
• If you cancel before the trial ends, you are not charged at all, and you keep access until the trial's end date.
• Accounts that began a trial before 27 October 2026 without adding a card keep that trial to its end date; they are never charged unless they choose a plan.

8.2 · Billing and renewal

• Your plan renews automatically at the end of each month or year and is charged to the card you saved, until you cancel. If you subscribe without a trial, the first charge is made straight away.
• Card payments are processed by Stripe, a PCI-compliant payment provider. OWED never sees or stores your card details. Charges appear on your statement as OWED.CO.NZ. Stripe's checkout page and receipts show our Stripe account name, "SmallPie - Digital Boutique".
• You can change your card, switch between monthly and annual, and download invoices from your Subscription page at any time. A switch is credited for the unused time on your old plan; switching during the free trial keeps the trial.
• If a payment fails, Stripe retries the card over the following days and your access stays open for a few of them. If it still cannot be paid, the plan ends and your account returns to the free tier.

8.3 · Cancelling

Cancel at any time on your Subscription page (owed.co.nz/portal/subscription, under Subscription in your OWED menu), online, with no fee and no notice period. Cancelling during the trial means you are never charged. After the trial, cancelling stops the next charge and you keep access to the end of the period you have paid for. Deleting your account also cancels any renewal. If you cannot use the page for any reason, email info@owed.co.nz and we will cancel for you.

8.4 · Refunds

We don't refund part of a period because you change your mind. We do refund you where the law requires it (including under the Consumer Guarantees Act 1993 if the service fails to meet a guarantee), where we charged you in error or more than once, and as set out in section 12. Ask us at info@owed.co.nz.

9 · Accuracy, corrections, and the limits of the tool

We work hard to get the calculations right. But results depend entirely on the figures supplied, payslips and statements can be misread, and official rates change. When we find an error we fix it and email the account holders it affected where we can identify them. Always check important figures against your own records, or with a qualified adviser, before acting on them.

10 · Disclaimers and liability

• If you are a consumer, you have rights under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986 that these terms cannot exclude. Subject to those rights, OWED is provided "as is" and "as available", and to the maximum extent the law allows we exclude all warranties, conditions, and guarantees not expressly stated in these terms.
• We are not liable for indirect or consequential loss, loss of income, loss of opportunity, or decisions you make using figures from OWED.
• To the maximum extent the law allows, our total liability to you for anything arising out of the service is limited to the greater of the amount you paid us in the twelve months before the event and NZ$100.
• Nothing in these terms limits rights you have under the Consumer Guarantees Act 1993 (where you use OWED as a consumer), the Fair Trading Act 1986, or any other law we cannot contract out of.
• If you use OWED for the purposes of a business, you agree that the Consumer Guarantees Act 1993 does not apply, and that sections 9, 12A, 13 and 14(1) of the Fair Trading Act 1986 do not apply, to the extent the law allows businesses to agree this. We think that is fair and reasonable because the service is priced and designed for individuals.

11 · Indemnity

You indemnify us against loss or claims arising from your breach of these terms, in particular entering figures or documents you had no authority to use, or presenting altered OWED output as ours. This indemnity does not apply to the extent we caused the loss.

12 · Changes, suspension, and ending

We may improve or change the service, and may change these terms or our prices. We email account holders about any material change at least 14 days before it takes effect, and a price change only applies from your next renewal after that notice. If you don't accept a change, you can cancel or close your account before it takes effect, and if it takes away something you have paid for, we refund the unused part. If you keep using OWED after a change takes effect, the new terms apply to you, but a change never applies to a period you have already paid for unless the law requires it or it is in your favour. We may suspend or terminate accounts that breach these terms; sections that by their nature survive (your content warranties, IP, liability, indemnity, governing law) survive termination.

13 · General

These terms are governed by New Zealand law, and the New Zealand courts have exclusive jurisdiction. If part of these terms is held invalid, the rest stands. A failure to enforce a right is not a waiver of it. You may not transfer your rights under these terms without our consent; we may assign ours as part of a genuine restructure or sale of the service, with your protections intact. Subject to the Fair Trading Act 1986, these terms, the privacy policy, the cookie policy and the disclaimer are the whole agreement. We send notices to the email address on your account; you can send notices to us at info@owed.co.nz.

Last updated 30 October 2026

What we use, and why

We keep cookies and local storage to the minimum the product needs. We run no advertising cookies, we build no advertising profiles, and we never sell or share browsing data.

Essential cookies and storage

These keep the site working, so they load regardless of consent:

• Sign-in session: keeps you signed in to your account and refreshes your session securely.
• Cookie choice: your answer to the banner, stored in local storage so we don't ask on every visit.

Stored on your device

These stay in your browser's local storage. None of them is sent to us, and signing out clears the ones tied to you:

• Calculator figures, so they are there next payday. "Forget my figures" clears them.
• A budget draft: a working copy of your budget, kept while you are signed out or between saves so nothing is lost.
• Display preferences, such as appearance, the cards on your Overview and notices you have already seen.
• A temporary link to your photo, if you added one, so it shows without asking again. It expires within a week.
• Cached exchange rates, only if you hold a balance in another currency, refreshed every few hours.

Analytics cookies

Off by default. If you accept them, we record simple product events (for example, that the calculator was used) in our own database, to understand what helps people and what doesn't. Nothing goes to an analytics company. Decline them and the site works exactly the same, with nothing withheld.

Marketing cookies

We set none. If that ever changes, this page changes first and we ask you again.

Third parties

Our fonts are served by Google Fonts, our animation library by Cloudflare's CDN, and our sign-in library by jsDelivr. If you hold a balance in another currency, exchange-rate estimates come from ExchangeRate-API (open.er-api.com). Each receives the standard technical request data any web server receives. None is used by us to track you, and we set no third-party cookies of our own.

Your choices

The banner at the bottom of the page records your choice in your browser's local storage. Change your answer any time with Cookie settings, also at the foot of every page, or email us and we'll help. Blocking essential cookies in your browser will break sign-in, everything else survives.

Last updated 30 October 2026

Information, not advice

OWED provides information and automated calculations based on the figures you supply. Nothing on this site is legal, financial, tax, or professional advice. Your actual tax position is determined by Inland Revenue, not by this calculator.

Your inputs drive the results

Results depend entirely on the accuracy and completeness of what you enter. A missing income or a mistyped figure changes the answer. Where the calculation has to assume something, we say so on the result itself, but we cannot catch what we cannot see.

Automated calculations have limits

The calculator follows the published formulas for PAYE, the ACC earners' levy, KiwiSaver and student loan repayments, and records the engine version behind every result. It works on the annual figures you enter: a single payslip can differ by cents, and by more than that if your tax code is not the one the calculation assumes. Careful testing reduces error; it does not eliminate it.

Safe to spend is an estimate

Safe to spend is an estimate from the figures you enter or import. It does not know your real bank balance, pending transactions or bills you have not added.

Payslips and deposits

A payslip that doesn't match a deposit is a prompt to check, not a finding that you were underpaid. For pay questions, contact your employer, Employment New Zealand or Community Law.

Other currencies

Currency conversions are indicative estimates.

No guaranteed outcomes

We guarantee no financial, legal, commercial or regulatory outcome. Your actual tax position is settled between you and Inland Revenue, on the figures they hold, not on anything shown here.

Decisions stay yours

You remain responsible for decisions and actions you take based on information from this platform. For anything consequential, such as provisional tax, a change of tax code or a large financial commitment, talk to an accountant, a tax agent, or Inland Revenue first.

No relationship is created

Using OWED does not make us your lawyer, your adviser, or your agent. We owe you the duties stated in our terms of use, no fiduciary or advisory relationship arises, and nothing on this site creates one.

Third-party references

Where we name payroll systems, government services, or link elsewhere, that is identification, not endorsement, and no payroll provider endorses us. Their sites are governed by their own terms.

Your statutory rights

Nothing in this disclaimer limits rights you have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, or any other law that cannot be contracted out of.