For New Zealand trades, hospitality & small operators

Holdie watches the dates that matter,so you can get on with the mahi.

Tell it once about the things your business relies on that have a date attached — licences, leases, certificates, renewals. The dates that keep you open. It builds out your year, watches them, then tells you in time to act.

Free calendar. No card. Built in Wellington for NZ rules only.

37 plain-English guidesstatutory claims checked against the legislation itselfeach entry verified and datedSee the verification ledger →

The 2am jolt — waking up half-remembering something’s due.

The shape of your year depends on facts only you have.

Here’s a small business’s September. These are its key dates.

Your year, held.

Your calendar can tell you when it’s due.

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Hazard & mitigation register review 19 Oct. Not on your radar yet: its 14-day window opens 6 Oct.

Also on the list: liquor licence renewal · lease — notice deadline to renew · vehicle wof / cof · hazard & mitigation register · business insurance renewal. All on the list, each showing when it should be on your radar.

Holdie can tell you when to start.

Tap any row to see when it should be on your radar.

Key dates sorted? Good. There’s also a register you’re meant to hold — is that one sorted too?

A few questions about the work you actually do, and you have your register: the risks WorkSafe expects you to manage, and what you do about each. Every business starts with the same four. Yours will have more.

Walk the site and confirm it, with it in your hand. Then it’s a register, not a draft.

Most registers are made once, for a landlord or a contract, and never looked at again. A register is judged by its date. This one stays held: the re-walk lands on your calendar, and when the rules behind it move, so does it. Between walks it asks you one thing at a time, never the whole register.

This builds a register for offices, shops, cafés and other low-risk workplaces. If your work involves heights, machinery, excavation or hazardous substances at scale, we'll say so and point you to someone who can help — that's the first few questions.

Does your work involve: working at height beyond step stools (ladders for real work, roofs, scaffolds)?
Does your work involve: powered machinery beyond kitchen/salon appliances (workshop, production, or trade machinery)?
Does your work involve: hazardous substances at bulk or industrial scale (beyond retail-quantity cleaning products)?
Does your work involve: asbestos-era renovation or building work on your premises?
Does your work involve: excavation or groundworks — trenches, pits, drainage runs, or any dig where a person could be in the excavation (regardless of whether it's dug by hand or by machine)?
That’s the row you just saw on the year above.See all 30 hazardsFree. No account to start.

Why it’s different

The due date is public. When to start isn’t.

Anyone can tell you when your liquor licence expires. What costs you is not knowing that the application had to be in twenty working days before — and that after expiry there is no renewal, only a new application. The due date is the too-late date. The start date is the date that matters.

You don’t check the calendar. It taps you.

Determination reminder

90-day trial window closes in 14 days — here’s what to do

The nudge arrives early enough to matter — and tells you what to do, not just what’s due.

A determination is a rule worked through against your facts, with the law cited. Determination reminders (trial windows, GST re-checks, and the like) — and the key dates you add yourself.

“Nothing is due in September. That’s the whole message. Your calendar is quiet this month.”

When nothing’s due, that’s the entire email. No streaks, no tips, nothing that exists to be seen.

Want a calendar that pays attention?

Holdie takes the dates that keep you open and watches the ones nothing else is, so you can act on each in time.

What it holds

Some key dates you tell it. The rest come out of work done here.

A register, a position, a plan — each one made with you, held on file, and each one naming the key dates it put in your year. A register and a calendar aren’t two things. Both are things you hold.

GST position

Whether you need to register, worked through against your facts, with the rule cited and a record you can export. Turnover moves — so the position doesn’t sit still.

→ An annual re-check, set by the record itself

90-day trial

Hard cut-off
Whether the trial in front of you holds — eligibility, wording, timing — with the sections cited. Notice must land while the trial is running. Day 91 is too late.

→ The window-close date, flagged as a cut-off

Company setup plan

The sequence from decision to trading, each step with the lead time it needs. Fall behind and the key dates move with you — worked forward from where you are, not back from where you aimed.

→ Step dates, until the plan completes

The one-off calls

A dispute brief with the escalation ladder in order. A business case that tells you how to break it. Made when you need one, held on file after.

→ Made and done — these owe the calendar nothing

Every record shows its working — the rule where a rule decided, each step where it was worked out from what you told it, and a label wherever AI had a hand. A lit ring means it’s still putting key dates in your year.

What it doesn’t do.

GST, provisional tax, PAYE and income tax aren’t held here — your accountant and your accounting software already own those, and they do it better. This is for the key dates nobody else is watching.

⚡ Founding member offer — first 100 businesses lock this price for life

You come look for free. It watches you back for a dollar a day.

Free

The calendar you come to look at

$0

  • Your year of key dates, built through a guided wizard that knows what to ask — lease & premises, insurance, licences & permits, contracts, people (including visa expiries), equipment, seasonal
  • Add, change or remove any date, anytime
  • Wayfinder — always free, always will be

Nothing comes to you — you have to remember to visit.

Build your year →

Holdie

The watching, done for you

$30/month

That's $1 a day. One missed date costs more.

  • Everything in Free
  • Proactive reminders with lead time built in — “the window closes in 14 days, here's what to do”
  • Determinations — an answer for your situation, with the rule cited and a record you can export
  • We watch the rules behind your key dates — when they change, your calendar gets updated
  • Multiple businesses on one calendar
Build your year →

An accountant's hour runs $150–300, typically. A missed lease notice can cost many times a year's subscription. One price. No tiers. Nothing metered.

You still do the work. You just stop being ambushed by it.

You run the business. Holdie holds the dates that keep you open.

The founding price will be here when you want it watching.

One job, always on. The rest, when you ask.

Everything above is the front door. The rest of Holdie is one click away — for when you want it.

The whole product — more than key dates

Everything on your plate lands in one of four piles.

Some jobs are handled by software you already use. Some you’re not completely sure about. Some keep sliding to next week. And some need a professional.

I’ll deal with it later

AI-assisted

The big-picture calls you keep parking — pricing, the next hire, whether that plan’s actually worth it. Not urgent, so they wait. Holdie gives you the consultant’s version: the framework, the numbers, the honest read — without the consultant.

Already sorted

These never make the worry list—your accounting and payroll software already takes care of them.

  • GST returns
  • PAYE & KiwiSaver
  • Income & provisional tax
  • Payroll & leave calcs
  • Tax invoices
  • Wage & time records

Need a pro

Some calls shouldn't be carried alone—but you don’t walk in cold. When Holdie routes one out, you arrive at your accountant or lawyer already briefed: what the issue is, the questions worth asking, and which expert to ask them of. The meter starts with you already halfway there.

  • Serious health and safety events
  • Insolvency and solvency
  • Director liability
  • Contract drafting
  • Shareholder disputes
  • Representing you in an employment dispute

Not a dead end—a warm handoff. The right questions, for the right person.

What’s due when?

Runs under all four

Oh man — that’s due tomorrow.

The stuff you meant to get to — the lease, the licence, the notice window nothing else is watching — on your radar early enough that tomorrow never happens.

See it live ↓Read the compliance-calendar entry →
Why you can trust what it tells you

Holdie started with one question.

Could AI be trusted to help small business owners apply legislation and business obligations correctly?

Turned out AI couldn't.

Left to itself, it makes things up.

But it turned out AI was exceptionally good at a different job: compiling legislation, guidance and industry practice into something one person could actually verify.

We stopped asking AI to know the answer and used it to help build one instead.

That's the answer to the calls with a rule behind them — GST, trials, contractor or employee. The rule decides, and you can check it against the source.

When something goes wrong in your business, you answer for it. Your software doesn't. Reasoning you can't see doesn't change that — it just leaves you carrying a decision you couldn't check.

So Holdie shows its working — every time, not selectively. If a rule decided something, you'll see the rule. If it was worked out from what you told us, you'll see each step. Where AI had a hand in it, that's labelled. And where we couldn't settle a question, we say so rather than quietly filling the gap.

The bigger calls don't have a rule to look up. What to charge. Whether the hire's worth it. Where the business is actually headed. There we don't pretend there's a verdict — AI lays out the framework, the numbers, the honest read. You make the call.

AI builds the knowledge. Holdie applies the rules — and where there's no rule to apply, helps you decide without ever deciding for you.

What Done looks like

See what Done looks like

This is what ‘sorted’ actually looks like. Each one’s a call you’d recognise — the question, the honest read, and where it leaves you. Open one and see.

Chasing unpaid invoicesRule-basedThey won't pay — what can I actually do?
A straightforward B2B debt — services delivered, invoices issued, no quality dispute, just non-payment. The Consumer Guarantees Act doesn’t apply; the question is which recovery lever to reach for, and in what order.What you tell it

“We are a plumber; commercial client owes $8,400 on three invoices over 90 days overdue. No dispute on work quality. What recovery steps does the source material support before court?”

Track: receivables · Operator side: supplier

What you getPosition assessment — claims

Straightforward B2B commercial debt recovery — $8,400, 90+ days overdue, no quality dispute. CGA does not apply. Primary forum: pre-court negotiation.

ESTABLISHEDA direct phone call to the client's decision-maker — not accounts payable — before any formal escalation, to establish whether non-payment is cashflow, an administrative failure, or a deliberate decision not to pay. That shapes which lever to reach for next.

FLAGGEDThe Construction Contracts Act 2002 may apply to the plumbing work, potentially providing access to a statutory payment claim regime — but whether the work constitutes ‘construction work’ under that Act has not been confirmed…

FLAGGEDThe client's legal structure has not been confirmed — a material gap: the statutory demand pathway is only available against a company…

Your next right move — escalate in order

Escalate in order: automated reminders at the due date, 7 days overdue, and 14 days → the phone call → written demand — never jumping a rung to legal tools. The phone call before the lawyer letter recovers more than the lawyer letter does. Jumping to a demand before a phone call is theatre.

A statutory demand is only for a debt that isn't genuinely disputed. If you have reason to doubt the debtor's solvency, take advice before escalating past the phone call.

Example output⏱ One dispute brief — the ladder sorted in minutes, not a blank-page afternoon
Business caseAI-assistedCan the business carry its first hire?
A solo operator billing ~$180k wants to hire their first full-timer at ~$70k — so they can stop delivering and start selling.What you tell it

Revenue ~$180k, owner delivers all of it. The hire: ~$70k plus on-costs, to take over delivery. The upside: $60–90k of new revenue once ramped — but it depends on clients who aren't signed yet, while the salary is fixed from day one.

What you getInvestment case — options, not a verdict

It doesn't answer yes or no. It reframes the question: affordability isn't the gate — pipeline is. Then it lays out four real options.

Hire now, gated on pipeline — proceed only on ≥2 qualified prospects; contingency triggered by month 2 if it stalls.

Hire after validation — 4–8 weeks proving the pipeline first. De-risks it; costs a quarter of growth.

Hybrid / contractors — absorb overflow without fixed payroll. Flexible, higher unit cost, builds no team.

Hold and invest in sales — $15–25k into lead-gen; test conversion before committing to payroll. Preserves cash, owner stays the bottleneck.

The recommendation — and the gate

Hire now — but only subject to the pipeline gate. If the owner can name two credible prospects, the $80–85k all-in is manageable and the $60–90k upside justifies it. If they can't, waiting is safer.

The point isn't the answer. It's that the scaffold turns a binary bet into a gated, managed call — and leaves that call with the owner.

The case ends by handing you a prompt to attack its own conclusion:

Act as a sceptical CFO who does not want me to do this.

- Which numbers here are assumptions wearing the clothes of facts?
- What has this case not asked me that it should have?
- Where is the reasoning weakest?
- What would have to be true for the recommendation to be wrong?

Don't be balanced. Find the holes.
A business case that tells you how to break it.Real output from Business Case on a Page. Figures are the operator's own inputs.⏱ About 10 minutes, five gated steps.
Something happened on siteRule-basedDid that have to be reported — and can I show it was?

Notifiable event — WorkSafe

Recorded · reported to WorkSafe — on file
Business
My workspace
Recorded
Wednesday, 26 August 2026
Status
reported to WorkSafe — on file
Not a judgement call — a rule with a clear answer, if you know where to look. Holdie worked it out from the facts you confirmed, and shows you the law it applied.The determination on record
Notifiable event — WorkSafe notified

On the facts you confirmed, this was a notifiable event under the Health and Safety at Work Act 2015: WorkSafe had to be notified as soon as possible after you became aware of it, and a record held. The rule decided from what you told it — and you can check every step against the Act itself. Nothing is a black box.