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Five things we know, built so you can use them without us
Last reviewed: August 2026
Each of these started as a question a client asked, and each one took real work to get right. Rather than answer it once on a phone call, we built it. None of them ask for an email address to work, and nothing reaches us unless you decide to send it.
28 services, each one exempt or taxable, with the reason
Whether a clinic service carries HST is not a judgement call, it turns on whether the service is named in Schedule V, Part II of the Excise Tax Act and whether the conditions attached to it are met. We went through the 28 services an Ontario clinic or cosmetic practice actually bills for and wrote down the answer and the reasoning for each, including the massage therapy question, the conditions on naturopathy and acupuncture, and where the cosmetic line falls.
Open the lookupThe 13-factor test, the way CRA actually applies it
A contract that says independent contractor settles nothing. CRA looks at control, ownership of tools, chance of profit and risk of loss, and then at whether the working relationship reflects what the parties intended. Thirteen questions, and at the end you see which way each factor points and which ones are working against you. It reports the direction. Only CRA or a court decides status.
Run the 13-factor checkThe 2026 Ontario arithmetic, both ways, with the assumptions shown
Every rate behind this sits in one file we update each year: federal and Ontario brackets, both basic personal amounts, the Ontario surtax, CPP and CPP2, the non-eligible dividend gross-up and both dividend tax credits. Enter what the corporation has available and see the tax under each option side by side. It does the sums and stops. There is no recommendation, because a real answer needs your other income.
Open the calculatorEvery CRA date your year end produces, and the penalty on each
The month arithmetic here is not obvious: a year end on the last day of a month is due the last day of the sixth month after, not the same date number, and a CCPC's balance falls due three months in while the return is not due for six. Enter your year end and get the lot, with what happens if you miss each one, and a calendar file or a one-tap link per date.
Check your datesThe 12-point check, written from what we see on incoming files
Twelve things worth having from an accountant if you run an incorporated business, each one drawn from something we have found on a file arriving from somewhere else. Tick what you already get. The result tells you which questions are worth putting to your accountant. It does not assess anyone's work and it cannot, because it has none of your numbers.
Run the 12-point checkLooking 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.