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Calculators for Canadian freelancers.

Five focused tools for the tax questions self-employed Canadians actually google. No spreadsheets, no signup, no email gate. All math runs in your browser — your numbers never leave the page.

$30K

GST/HST threshold risk

Are you about to cross CRA's small-supplier line? Tests both the rolling four-quarter window and the single-quarter rule — the two ways you can be forced to register.

%

Tax reserve

How much should you set aside from each invoice? Estimates federal + provincial income tax, CPP, and GST/HST so April doesn't ambush you.

$+

Invoice impact

If you start charging GST/HST, do you add it on top or absorb it? See the dollar impact on the client's price and your take-home, side by side.

KM

Vehicle deduction

Business kilometres ÷ total kilometres = deductible portion of your vehicle expenses. Estimates the T2125 line 9281 number and the GST/HST ITC if you're registered.

Hrs

Year-end cleanup cost

Estimate what your accountant will charge to untangle a year of un-categorized transactions, missing receipts, and mixed personal-business spending.

Div

Dividend tax (CCPC owners)

If your corp is your only source of income, how much personal tax do you owe on the dividends you take? Shows the set-aside number and the reverse: "to net $X, take $Y from the corp".

vs

Compare bookkeeping tools

MapleBooks vs. QuickBooks Self-Employed, Wave, FreshBooks, and a spreadsheet. Less than full bookkeeping, more useful than a spreadsheet.

Browse by province.

GST/HST math is federal, but the rate you collect is provincial. Pick your province to land on a page with the right tax rate pre-filled and the FAQ tuned to that jurisdiction.

Alberta (GST 5%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

British Columbia (GST 5% + PST 7%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Manitoba (GST 5% + PST 7%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

New Brunswick (HST 15%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Newfoundland & Labrador (HST 15%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Nova Scotia (HST 15%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Northwest Territories (GST 5%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Nunavut (GST 5%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Ontario (HST 13%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Prince Edward Island (HST 15%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Quebec (GST 5% + QST 9.975%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Saskatchewan (GST 5% + PST 6%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Yukon (GST 5%)

GST/HST threshold Tax reserve Invoice impact Vehicle deduction Dividend tax

Built for the self-employed, not for accountants.

Every calculator on this page is free and indexable. We built them because the real questions Canadian freelancers ask — "am I close to $30K?", "should I quote with tax on top?", "how much should I keep in my tax account?" — don't have great answers in YNAB, Wave, or QuickBooks. They have answers in CRA guidance, but the guidance is dense and the math is annoying.

These tools won't file your taxes. They won't replace your accountant. They will give you a quick, defensible number for the conversation you're about to have — with your accountant, your client, or yourself at 11pm in April.

Want this running on your real numbers?

MapleBooks tracks the same math against your actual transactions: GST/HST threshold, tax reserve, vehicle logbook, T2125-ready year-end. Built for Canadian freelancers earning under $150K. No bank-sync brittleness — CSV import and manual entry.

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