Choose your usable vantage point.
Are you looking for absolute certainty in your cash flow, or the power to provide it?
I'm a Business Owner.
See your live Usable Balance and stop flying blind by only looking at your bank balance.
I'm an Advisor.
Automate the cleanup and start predicting the crashes with Usable Advisory.
"Before Usable Balance, I was spending money based on 'gut feel' and a bank balance that didn't account for my 6 monthly GST returns. Now I have 100% confidence on what I can actually spend. It's the first time in years I've slept through the month my GST return is due."
— Rowan Asmundson / Handy Kiwi (Business)Everyone else is selling Productivity.
We think that's the wrong metric entirely.
The industry spent twenty years optimising the wrong thing. Faster data entry. Better dashboards. More integrations. The result? Business owners still don't know how much money is actually theirs. Advisors still spend most of their time on manual work that should just be automated.
Productivity is doing the same broken work faster. We're not interested in that.
Prosperity means knowing your money is safe, your obligations are handled, and your advisor is free to do the one thing no software can: walk beside you.
The numbers small businesses are living with.
NZ small businesses fail within their first three years. For sole traders, just 41% survive to year five.
business.govt.nz & Stats NZ Business Demography 2024GST interest, penalties & fees paid in FY2025, up from $64.7m just two years prior. A 3× surge.
IRD OIA data, Nov 2023 – May 2025GST-registered businesses were fined in the past year. Nearly a third of the entire register.
IRD OIA data, FY2025of all NZ enterprises are small businesses (fewer than 20 employees), the backbone of the economy.
MBIE Small Business Reportof NZ small business owners have considered giving up, losing ~5 hours a week to stress and tax worries.
Xero Small Business Insights, 2025of businesses earning under $2m are under financial stress, the exact businesses advisors serve.
IRD OIA dataThis isn't bad luck. It's what happens when business owners can't see what they actually owe. Late GST, surprise tax bills, hours lost to manual admin. Usable shows your real tax position in real time, matches your receipts automatically, and tells advisors which clients need help before the penalty arrives.
See how we fix it →