Six free tools for Ontario business owners
Each one started as a question a client asked. Rather than answer it once on a call, we built it.
All six run in your browser. None asks for an email address and nothing is sent to us.
GST/HST exempt services checker
The 28 services an Ontario clinic actually bills for, each with the answer and the reason. Includes massage therapy, naturopathy, acupuncture and where the cosmetic line falls.
Open the lookupContractor vs employee test
Thirteen questions on the factors CRA weighs. You see which way each one points and which are working against you. A contract saying "independent contractor" settles nothing.
Run the testSalary vs dividend calculator
Enter what the corporation has available and see both routes side by side. Brackets, surtax, CPP, CPP2, gross-up and both dividend credits, updated every year.
Open the calculatorCorporate tax due date calculator
Enter your year end and get every date, with what happens if you miss each one. The catch most people hit: the balance falls due three months in, the return not for six.
Check your datesIncorporation calculator
Sole proprietor against a corporation on the same profit. The part most comparisons skip: withdraw every dollar and the two land close together. The gain is on what you leave in.
Open the calculatorAccountant checklist
Twelve things worth having, each drawn from something we found on a file arriving from another firm. Tick what you already get and see which questions are worth putting to your accountant.
Run the checklistLooking for the figures rather than a calculator? The 2026 Ontario reference has every rate, threshold, limit and deadline an incorporated Ontario business needs, in one page, with the source named against each one.
Rather just ask?
Twenty minutes on the phone, free, and you get a straight answer on your actual situation instead of a general one.
Last reviewed: August 2026