Sarah’s trading year
FY 2025–26 · 329 closed trades across 2 accounts · $85,000 salary alongside
Trading calendar
Month P&L
+$1,344.36
Win rate
60.0%
W / L
12 / 8
Trades
20
Trading days
12
Payoff
0.94
+$773.33
3t · 67%
-$187.57
1t · 0%
+$633.65
1t · 100%
+$195.33
1t · 100%
+$204.13
1t · 100%
+$215.67
1t · 100%
+$395.20
1t · 100%
-$141.98
1t · 0%
-$484.53
4t · 50%
+$910.53
4t · 75%
-$476.61
1t · 0%
-$692.79
1t · 0%
Hover a day for its trade count, win rate and average win/loss.
Tax position — FY 2025–26
Trading income stacked on top of a salary, taxed at NZ marginal rates.
- Trading income after expenses
- $29,664.30
- Combined taxable income
- $114,664.30
- Marginal rate
- 33%
- Set aside for tax
- $20,154.61
Tax on the trading income, plus the provisional instalments. PAYE already deducted from the salary is excluded.
Provisional tax triggered
Three instalments of $3,290.00 fall due across the year — 28 August, 15 January and 7 May.
Business Classification
IRD risk indicator
Some signals suggest IRD may look more closely at your trading classification.
27.4 trades/month avg this year
Accounts
Two brokers in two currencies, both converted at the RBNZ mid-rate on each close date.
IC Markets
USD
222
trades
58%
win rate
+$25,179.13
net NZD
Pepperstone
AUD
107
trades
54%
win rate
+$9,347.57
net NZD
Recent trades
Every row stores the original currency and the NZD equivalent.
Demo figures only. This is not tax advice — review your own position with a qualified NZ accountant before filing.