3in1 Accounting is a Christchurch-based accounting practice specialising in small business accounting and tax services. The firm offers a range of affordable fixed-price monthly packages, giving small business owners predictable costs and a consistent team. All phone and email contact is included at no extra charge for fixed-fee subscribed clients.
The practice is a member of Chartered Accountants Australia and New Zealand (CAANZ), maintaining high ethical and professional standards. 3in1 Accounting holds Xero Gold Partner status, with certified advisors providing comprehensive support across all areas of Xero, and has also partnered with MYOB to serve clients on that platform.
Director Kirsten Osborne brings over 20 years of accounting experience across public practice and consulting, with deep expertise in business advisory and tax across many industries. Co-director Edson Guerrero draws on a background of owning businesses in the IT industry, as well as experience in manufacturing and product development for international export markets, giving him a grounded understanding of the challenges business owners face.
3in1 Accounting offers a free initial meeting and is located at Hazeldean Business Park in Addington, Christchurch.
Running a small business in New Zealand means wearing a lot of hats — and tax compliance rarely fits comfortably on any of them. 3in1 Accounting, based in Addington, Christchurch, was built specifically to take that weight off small business owners. With a Chartered Accountant team, Xero Gold Partner status, and a transparent fixed-price model, they position themselves as a trusted in-house finance function for businesses that don't need a full-time CFO but deserve that level of support.
The practice is led by two directors who bring complementary backgrounds. Kirsten Osborne is a Chartered Accountant with over 20 years of experience across public practice and consulting, with a reputation for building strong client relationships through practical, tailored advice. Edson Guerrero has first-hand experience as a business owner in the IT industry, giving him an insider's perspective on the real challenges clients face. His specialisations span business advisory, financial reporting, tax, and accounting software — and his background extends into manufacturing and international export markets.
Both directors are members of Chartered Accountants Australia and New Zealand (CAANZ), the professional body that sets the bar for technical expertise and ethical standards in the profession.
The service menu at 3in1 covers the full accounting lifecycle for small businesses. On the tax side, they handle income tax returns for New Zealand residents and non-residents, GST, payroll and PAYE, fringe benefit tax (FBT), withholding tax returns, and tax budgeting. Whether you're a sole trader keeping things simple or a growing business with more complex obligations, they tailor their approach accordingly.
Bookkeeping is available end-to-end — invoicing, bank reconciliations, and payroll — starting from $95+GST per month. As a Xero Gold Partner with certified accountants on staff, they can support clients across the entire Xero platform, from initial setup through to day-to-day use. They've also partnered with MYOB for clients already using that platform.
For businesses wanting more than compliance, 3in1 offers an online accountant service that functions like an embedded finance team. This includes monthly profit and loss reporting, balance sheet reviews, cash flow analysis, budgeting, and financial forecasting. The goal is to give business owners the financial intelligence they need to make sound decisions — not just to meet IRD deadlines.
One of 3in1's clearest differentiators is their fixed monthly pricing structure. Three tiers cover most small businesses under $2 million in turnover:
Property investors and those with more specific needs can enquire about custom packages. Xero software plans are available from $16+GST per month.
All phone and email contact with the team is free for fixed-fee clients — a meaningful benefit that removes the hesitation many small business owners feel about picking up the phone to ask a question.
3in1 Accounting offers a free initial meeting for prospective clients. Their office is on the ground floor of Hazeldean Business Park at 14 Hazeldean Road in Addington, and they can be reached on 0800 114 077 or through the contact form on their website.