# Kiwi Receipts

Adopt this skill: https://proskills.md/skills/other/kiwi-receipts

Page: https://proskills.md/skills/other/kiwi-receipts
This document is the public skill bundle for that page. It contains SKILL.md and every helper file the catalog carries. No login is required.

## File: .gitignore
upstream: https://github.com/maxazure/kiwi-receipts/blob/HEAD/.gitignore

Content is not inlined in the catalog. Read the upstream file: https://github.com/maxazure/kiwi-receipts/blob/HEAD/.gitignore

## File: LICENSE
upstream: https://github.com/maxazure/kiwi-receipts/blob/HEAD/LICENSE

Content is not inlined in the catalog. Read the upstream file: https://github.com/maxazure/kiwi-receipts/blob/HEAD/LICENSE

## File: README.md
upstream: https://github.com/maxazure/kiwi-receipts/blob/HEAD/README.md

````text
# Kiwi Receipts

An [OpenClaw](https://github.com/nichochar/openclaw) skill that serves as a personal NZ tax assistant for sole trader builders and contractors. Processes receipt photos, tracks sales income, calculates GST, income tax, provisional tax, and asset depreciation. Generates IRD-ready XLSX reports and Xero-importable CSV.

## Features

- **Receipt capture** -- snap a photo of any receipt, AI extracts merchant, date, items, GST
- **Sales/income tracking** -- record invoices to auto-fill GST Box 5
- **GST reports** -- XLSX with IRD GST101A pre-filled (both purchases and sales sides)
- **IR3 annual income tax** -- calculates taxable income, applies NZ tax brackets, ACC levy
- **Provisional tax** -- calculates instalments based on previous year RIT
- **Asset depreciation** -- tracks assets, applies IRD DV/SL rates, generates schedules
- **Xero CSV export** -- importable bank transaction format for Xero accounting
- **NZ tax compliant** -- built against GST Act 1985, Income Tax Act 2007, IR265 depreciation rates
- **Personal use** -- runs on your own OpenClaw instance, all data stays on your device
- **7-year record keeping** -- JSON storage meets Section 75 requirements

## Installation

### Option A: ClawHub (recommended)

```bash
# Install the ClawHub CLI if you haven't already
npm i -g clawhub

# Install the skill
clawhub install kiwi-receipts
```

### Option B: Git clone

```bash
git clone https://github.com/maxazure/kiwi-receipts.git ~/.openclaw/skills/kiwi-receipts
```

### Option C: Manual download

Copy the repository into any supported skill directory:

```bash
# Workspace skills (highest priority)
cp -r kiwi-receipts ~/.openclaw/workspace/skills/kiwi-receipts

# Or managed skills directory
cp -r kiwi-receipts ~/.openclaw/skills/kiwi-receipts
```

You can also register an extra skill directory in `~/.openclaw/openclaw.json`:

```json
{
  "skills": {
    "load": {
      "extraDirs": ["/path/to/your/skills/folder"]
    }
  }
}
```

### Python dependency

The XLSX/CSV report generator requires `openpyxl`. Install it before first use:

```bash
pip install openpyxl
```

## How It Works

### Daily: Capture receipts and income

Send a photo of your receipt to your OpenClaw bot (Telegram or WhatsApp):

```
You: [photo of Bunnings receipt]
Bot: Receipt captured:
     Bunnings Warehouse
     2026-03-19
     $174.00 (GST: $22.70)
     Timber 2x4 x10, Concrete Mix x5
     Category: materials

     Reply to save, or correct any details.
You: save
Bot: Saved. Period total: $1,527.37, 5 receipts.
```

Record sales when you invoice a client:

```
You: income 9775 Bathroom renovation - 42 Rimu St, ABC Homes
Bot: Income recorded:
     Client: ABC Homes
     Description: Bathroom renovation - 42 Rimu St
     Amount: $9,775.00 (GST: $1,274.35)
     Date: 2026-03-19

     Reply to save.
```

### Every two months: File GST

NZ GST is filed every two months. Send `report` to generate the XLSX:

```
You: report
Bot: GST Report: Mar-Apr 2026
     Receipts: 23, Income entries: 8
     Total purchases: $8,420.50
     Total sales: $29,670.00
     GST to pay: $2,773.70
     [Download XLSX]
```

The GST101A sheet is fully auto-filled when you have both receipts and income data:

| Box | Description | Value |
|-----|-------------|-------|
| 5 | Total sales (incl GST) | $29,670.00 (auto-filled from income) |
| 10 | Total GST collected | $3,870.00 (auto-calculated) |
| 11 | Total purchases (incl GST) | $8,420.50 (auto-filled from receipts) |
| 12 | GST credit (Box 11 x 3/23) | $1,098.33 (auto-calculated) |
| 15 | GST to pay | $2,771.67 (auto-calculated) |

Log in to [myIR](https://www.ird.govt.nz/), copy the numbers, submit. Done.

### End of tax year: IR3 income tax

At the end of the tax year (31 March), generate your annual tax summary:

```
You: ir3
Bot: Annual Tax Summary: 2025-2026

     Income (excl GST):    $82,608.70
     Less expenses:       -$49,500.00
     Less depreciation:    -$6,246.50
     Taxable income:       $26,862.20

     Income tax:            $3,608.89
     ACC levy:                $448.60
     Less provisional tax: -$2,943.15
     Tax to pay:            $1,114.34

     Reply "export ir3" for the full XLSX report.
```

### Provisional tax

If your previous year tax exceeded $5,000, the skill calculates your instalments:

```
You: provisional
Bot: Provisional Tax 2026-2027:
     Based on 2025-2026 RIT: $8,409.00
     Uplift (x 1.05): $8,829.45
     Per instalment: $2,943.15

     1st: 28 August 2026
     2nd: 15 January 2027
     3rd: 7 May 2027
```

### Asset depreciation

Track tools, vehicles, and equipment:

```
You: asset add DeWalt circular saw $899
Bot: Asset recorded:
     DeWalt circular saw
     Cost: $899.00 (excl GST)
     Category: Portable power tools
     Depreciation: DV 40% (5 year life)
     Year 1 claim: $359.60
```

### Xero export

Generate a CSV importable into Xero:

```
You: xero export
Bot: Xero CSV exported: 35 transactions (Mar-Apr 2026)
     [Download CSV]
```

Import into Xero: Accounting > Bank Accounts > Import Statement.

## NZ GST Filing Periods

| Period | Due Date |
|--------|----------|
| Jan - Feb | 28 March |
| Mar - Apr | 28 May |
| May - Jun | 28 July |
| Jul - Aug | 28 September |
| Sep - Oct | 28 November |
| Nov - Dec | 15 January |

Special dates: periods ending 31 March are due 7 May. Periods ending 30 November are due 15 January.

## First-Time Setup

```
You: setup
Bot: What is your business name?
You: My Construction Ltd
Bot: What is your GST/IRD number?
You: 12-345-678
Bot: Vehicle business use percentage? (default 80)
You: 80
Bot: Phone business use percentage? (default 70)
You: 70
Bot: Saved.
```

## Commands

### Receipts

| Command | Description |
|---------|-------------|
| Send photo | Capture a receipt |
| `summary` | Current GST period overview |
| `report` | Download GST report (XLSX) |
| `report 2026-03` | Report for a specific period |
| `list` | Show recent receipts |
| `delete last` | Remove last receipt |

### Income

| Command | Description |
|---------|-------------|
| `income 9775 description` | Record a sales invoice |
| `income list` | Show recent income entries |
| `income summary` | Current period income total |

### Assets

| Command | Description |
|---------|-------------|
| `asset add name $cost` | Register a depreciable asset |
| `asset list` | Show assets with current book values |
| `asset dispose name $price` | Record asset disposal |
| `depreciation` | Calculate this year's depreciation |

### Tax

| Command | Description |
|---------|-------------|
| `provisional` | Calculate provisional tax instalments |
| `set last year tax 8409` | Set previous year residual income tax |
| `ir3` or `tax return` | Annual income tax summary |
| `export ir3` | Annual XLSX report with all sheets |

### Export

| Command | Description |
|---------|-------------|
| `xero export` | Generate Xero-importable CSV |

### Setup

| Command | Description |
|---------|-------------|
| `setup` | Configure business details |
| `help` | Show all commands |

## XLSX Report Sheets

The generated XLSX can contain up to 7 sheets:

1. **GST Summary** -- business info, period totals
2. **All Receipts** -- every receipt with date, merchant, category, items, amounts
3. **By Category** -- subtotals by expense category
4. **IRD GST101A** -- official box numbers pre-filled for myIR
5. **Income** -- sales/invoice records (when income data exists)
6. **Depreciation** -- asset depreciation schedule (when assets exist)
7. **IR3 Annual Tax** -- full income tax calculation with bracket breakdown (annual reports)

## Legal Compliance

This skill is built with reference to:

- **Goods and Services Tax Act 1985** (NZ) -- Sections 2, 8, 15, 16, 19F, 20, 51, 75
- **Income Tax Act 2007** (NZ) -- Schedule 1 Part A (tax rates), Subpart EE (depreciation), Part RC (provisional tax), Section DA 1 (deductions)
- **Tax Administration Act 1994** -- record keeping, filing deadlines
- **Taxation (Annual Rates for 2021-22, GST, an
````

## File: SKILL.md
upstream: https://github.com/maxazure/kiwi-receipts/blob/HEAD/SKILL.md

Content is not inlined in the catalog. Read the upstream file: https://github.com/maxazure/kiwi-receipts/blob/HEAD/SKILL.md

## File: docs
upstream: https://github.com/maxazure/kiwi-receipts/blob/HEAD/docs

Content is not inlined in the catalog. Read the upstream file: https://github.com/maxazure/kiwi-receipts/blob/HEAD/docs

## File: references
upstream: https://github.com/maxazure/kiwi-receipts/blob/HEAD/references

Content is not inlined in the catalog. Read the upstream file: https://github.com/maxazure/kiwi-receipts/blob/HEAD/references

## File: scripts
upstream: https://github.com/maxazure/kiwi-receipts/blob/HEAD/scripts

Content is not inlined in the catalog. Read the upstream file: https://github.com/maxazure/kiwi-receipts/blob/HEAD/scripts