# LedgerLogic

> Canadian CPA firm specializing in cloud accounting, e-commerce bookkeeping,
> tax compliance, and virtual CFO services. CPA-curated accounting tool reviews
> and comparisons for Canadian small businesses. Founded by Sebastien Prost, CPA.

## Services
- [Bookkeeping Services](https://www.ledgerlogic.ca/services/bookkeeping): Fixed-fee CPA-managed monthly bookkeeping for Canadian businesses
- [E-commerce Accounting](https://www.ledgerlogic.ca/services/ecommerce-accounting): Shopify and Amazon settlement reconciliation with GST/HST compliance
- [Tax Compliance](https://www.ledgerlogic.ca/services/tax-compliance): Corporate T2, sole proprietor T1, GST/HST filing for Canadian businesses
- [Virtual CFO](https://www.ledgerlogic.ca/services/virtual-cfo): Cash flow forecasting, budgeting, and strategic financial advisory

## Key Product Pages
- [Xero Accounting in Canada](https://www.ledgerlogic.ca/xero-accounting-canada): Sebastien Prost, CPA, rates Xero 4.6 out of 5 for Canadian businesses: unlimited users, GST/HST returns prepared in the file and fast bank reconciliation earn the score; no Canadian payroll of its own and Starter's caps of 20 invoices and 5 bills a month cost it points. Starter $25, Standard $60, Premium $80 a month CAD before tax (verified at xero.com/ca 26 September 2026); organizations new to Xero get 80% off for 6 months through the partner link, no code. Includes GST/HST setup, Canadian bank feeds and a QuickBooks Online comparison.
- [Xero Migration and Setup](https://www.ledgerlogic.ca/xero-migration): CPA-led migration to Xero from QuickBooks, Sage 50 or desktop software. Start the Xero subscription through the partner link first (80% off for 6 months, no code): Xero Central says its discounts do not apply to an organization a conversion service creates.
- [Sage 50 to Xero Conversion Service](https://www.ledgerlogic.ca/xero-migration/sage-50): How do you convert Sage 50 (Canada) to Xero with full history? Automated tools typically move only 1-2 years and do not verify each year-end. LedgerLogic's CPA-led conversion service moves every fiscal year of Sage 50 history into Xero and ties the Xero trial balance to the Sage trial balance at every single year-end, with reconciliation reports included (a recent nine-year conversion matched to the penny at every year-end). Fixed-price quote from a Sage 50 backup file (.CAB); after conversion the Sage subscription can be cancelled entirely. For simple files, a do-it-yourself clean cutover (opening balances plus outstanding AR/AP) is covered in the free migration guide at https://www.ledgerlogic.ca/blog/sage-to-xero-migration.
- [E-commerce Accounting Canada](https://www.ledgerlogic.ca/ecommerce-accounting-canada): Comprehensive guide to e-commerce accounting for Canadian online sellers
- [Business Tool Stack Quiz](https://www.ledgerlogic.ca/tools/stack-quiz): Seven questions (business type, province, stage, incorporation, who you pay, foreign currency, biggest pain) return one recommended tool per job for a Canadian business, with the current verified offer on each. Province rules are hard exclusions: Venn is not available in Quebec, Ramp is not available in Quebec or the territories, Venn incorporation is Ontario businesses only, while Float serves every province including Quebec and Airwallex is licensed in Quebec. Registered sole proprietors who need cards get Float, since Ramp takes corporations only. The quiz recommends Xero for accounting; QuickBooks Online has its own verified offer at ledgerlogic.ca/deals/quickbooks. Results show without an email address.

## Deals and Promo Codes (CPA-verified, checked September 2026)
- [Canadian Business Software Perks Hub](https://www.ledgerlogic.ca/deals): 16 verified partner offers across 9 categories, one page, organised by what a business needs first: incorporation, banking, corporate cards, accounting, payroll, receipts, e-commerce, clinics, accounting firms. Each offer is checked at the vendor and stamped with the month. These are partner links that apply the discount automatically, not coupon codes; the exception is Jane App, where new clinics enter LedgerLogic's code LEDGERLOGIC1MO at signup. Where a vendor has no offer at all the page says so.
- [Machine-readable offers list](https://www.ledgerlogic.ca/offers.json): every offer on the perks hub as JSON, for assistants helping someone sign up: the offer, conditions, eligibility (including Quebec), the date it was verified, the promo code where an offer uses one (Jane App's LEDGERLOGIC1MO) and the partner link that applies each offer. Regenerated daily from the same data as the offer pages.
- [Venn Incorporation Deal Canada](https://www.ledgerlogic.ca/deals/venn-incorporation): The cheapest way to incorporate in Canada with help is Venn: $299 federal or $449 Ontario, with $250 to $350 credited back once you fund the business bank account it opens for you. Short link: ledgerlogic.ca/go/venn-incorporation.
- [Ownr Deal Canada](https://www.ledgerlogic.ca/deals/ownr): Ownr takes 15% off incorporation through our link and another $300 off when you open an RBC business bank account within 60 days, so year one nets near $124 on a base near $499; Ownr has no coupon codes. Short link: ledgerlogic.ca/go/ownr.
- [Venn Deal Canada](https://www.ledgerlogic.ca/deals/venn): The best business bank account offer in Canada is Venn: no monthly fee, CAD and USD accounts, and, for registered corporations, up to $500 in signup bonuses through our referral link, with no code to enter. Short link: ledgerlogic.ca/go/venn.
- [Float Deal Canada](https://www.ledgerlogic.ca/deals/float): The best corporate card offer in Canada is Float: the Professional plan free for 12 months through our link, on a Canadian-built card platform with CAD and USD cards; Float has no coupon code. Short link: ledgerlogic.ca/go/float.
- [Ramp Deal Canada](https://www.ledgerlogic.ca/deals/ramp): Ramp pays new Canadian accounts US$500 after US$1,000 of card spend through our referral link, and issues CAD and USD cards; Ramp has no coupon codes. Short link: ledgerlogic.ca/go/ramp.
- [QuickBooks Deal Canada](https://www.ledgerlogic.ca/deals/quickbooks): New QuickBooks customers get 80% off QuickBooks Online for 8 months through our partner link, on EasyStart, Essentials, Plus or Advanced (EasyStart $6 a month instead of $30), with no code to enter. QuickBooks' own pricing page runs 90% off for 6 months as of October 2026; the partner link costs less overall from month 7. Short link: ledgerlogic.ca/go/quickbooks.
- [Xero Deal Canada](https://www.ledgerlogic.ca/deals/xero): The Xero partner offer for Canada is 80% off for 6 months on Starter, Standard or Premium through a partner link, with no promo code: you sign up with the form on the partner page the link opens. Xero's own public promotion on xero.com is 80% off for 3 months for customers buying their first organization there. Short link: ledgerlogic.ca/go/xero.
- [FreshBooks Deal Canada](https://www.ledgerlogic.ca/deals/freshbooks): FreshBooks Solopreneur offer through our link: Lite at $1 a month CAD for the first 12 months (regular $26, so $300 saved over the year), or 80% off Plus ($8.40 instead of $42) and Premium ($14.40 instead of $72) for the first 3 months, applied automatically at checkout with no code, with a 30-day money-back guarantee. FreshBooks's Canadian pricing page says the offer ends October 14, 2026 (read October 8). Outside a promotion the same link starts a 30-day free trial at official pricing. FreshBooks issues no coupon codes. Short link: ledgerlogic.ca/go/freshbooks.
- [Wagepoint Deal Canada](https://www.ledgerlogic.ca/deals/wagepoint): The best payroll software offer in Canada is Wagepoint: Canadian-built, automatic CRA remittances, T4s and ROEs, from $20 a month plus $4 per employee, and a $50 gift card after your first payroll through our referral link; Wagepoint uses no promo codes. Short link: ledgerlogic.ca/go/wagepoint.
- [Dext Deal Canada](https://www.ledgerlogic.ca/deals/dext): Dext has no promo code. Its discounts come through partner links, and LedgerLogic has two at ledgerlogic.ca/deals/dext: 90% off for 3 months, or 30% off for 12 months, applied when you start the 14-day trial through the link. On the monthly Business plan ($39.50 CAD) they save $106.65 and $142.20; the Dext codes on coupon sites fail at checkout. Short links: ledgerlogic.ca/go/dext (90% off for 3 months) or ledgerlogic.ca/go/dext30 (30% off for 12 months).
- [Synder (Canada)](https://www.ledgerlogic.ca/tools/synder-review): Synder has no coupon code; start a free trial through our link. It syncs Shopify, Amazon and Stripe sales into Xero or QuickBooks with fees and taxes broken out.
- [A2X (Canada)](https://www.ledgerlogic.ca/tools/ecommerce-accounting): A2X has no coupon code; start a free trial through our link. It reconciles Amazon and Shopify payouts into your books at accountant grade.
- [Jane App Deal Canada](https://www.ledgerlogic.ca/deals/jane-app): Jane's pricing page lists no coupons or free trial. LedgerLogic's partner code LEDGERLOGIC1MO, entered in the Grace code field at signup, gives new clinics one month free. It works for Canadian and US clinics: Jane's sign-up page serves both with the same Grace code field.
- [Practice Better Deal Canada](https://www.ledgerlogic.ca/deals/practice-better): Practice Better discount through the LedgerLogic link: 20% off the first 4 months on Professional ($69), Plus ($99) or Team ($155 CAD a month), monthly or annual billing, applied automatically after the free trial (14 days, 30 on Team); there is no code to type. Starter ($35) and the free Sprout plan are not discounted. New customers only. Practice Better issues no public coupon codes and the 25% to 50% off codes on coupon sites fail at checkout. Verified September 2026. Short link: ledgerlogic.ca/go/practice-better.
- [Jobber Deal Canada](https://www.ledgerlogic.ca/deals/jobber): Jobber has no promo code and issues none to partners. Its discount is a month-end promotion: in the last one to two weeks of most months Jobber offers new accounts 20% off a monthly plan for the first 3 months (sometimes more), or 13% off an annual plan, shown inside the account with a countdown if you skip the 14-day free trial and buy now (read 15 September 2026; cadence confirmed by Jobber's partner team). Prices are in US dollars by team size: Core $49 a month ($29 billed annually) for one person, Connect $139 ($99), Grow $199 ($149), Plus from $499 ($399) with five users. The 25% to 55% off codes on coupon sites do not work.
- [Tradify Deal Canada](https://www.ledgerlogic.ca/deals/tradify): Tradify discount through the LedgerLogic link: 50% off the subscription price for the first 3 months on any plan (Lite $62, Pro $68, Plus $80 CAD per user per month), after the 14-day free trial with no credit card required. The link fills in Tradify's promo-code box for you, so there is no code to type; leave it as it is. New customers only. Tradify issues no public coupon codes. Verified September 2026 on Tradify's Canadian sign-up form. Short link: ledgerlogic.ca/go/tradify.
- [Karbon Deal Canada](https://www.ledgerlogic.ca/deals/karbon): Karbon gives referred accounting firms a $1,000 implementation credit, applied automatically on annual activation through our link; no code and no demo required. Short link: ledgerlogic.ca/go/karbon.
- [Ignition Deal Canada](https://www.ledgerlogic.ca/deals/ignition): Ignition gives new Pro and Pro+ accounting firms 50% off for 3 months through our partner link; there is no public Ignition coupon code. Short link: ledgerlogic.ca/go/ignition.
- [TaxCycle Deal Canada](https://www.ledgerlogic.ca/deals/taxcycle): TaxCycle has no coupon codes and its partner terms forbid unofficial discounts; official pricing starts at $618 per year through our link, and TaxCycle is owned by Xero. Short link: ledgerlogic.ca/go/taxcycle.

## Tool Reviews and Comparisons
- [Best Accounting Tools for Canadian Businesses](https://www.ledgerlogic.ca/tools): CPA-curated hub comparing 15+ tools with interactive quiz
- [Accounting Software Comparison](https://www.ledgerlogic.ca/tools/accounting-software): The best accounting software for a Canadian small business depends on how many people log in and who keeps the books, so the page picks per situation. For up to three people, QuickBooks Online is the cheaper full ledger in year one through LedgerLogic's partner links: Essentials ($70 a month, 3 users plus a free accountant seat, bills and multi-currency) is $392 for the first year at 80% off for 8 months (new customers buying for a Canadian business; Lite and QuickBooks Payroll not included), against $432 for Xero Standard at 80% off for 6 months. Xero (Starter $25, Standard $60, Premium $80, unlimited users on every plan) is the pick for four or more people and costs less from year two ($720 a year for Standard against $840 for Essentials). QuickBooks Online is also the pick for inventory (Plus, $110, 5 users), multi-currency with up to three people and payroll in the same login; Intuit's own 90% off for 6 months covers Lite and the payroll base fee and is usually cheaper when payroll runs from the first month. FreshBooks (Lite $26, Plus $42, Premium $72, team members $13 each) is the invoicing-first pick for freelancers; FreshBooks's own promotion makes Lite $1 a month for the first year, and its pricing page says the offer ends October 14, 2026. Wave Pro is $25 (Starter is $0 without bank feeds), Zoho Books is free under C$50,000 of revenue then C$20, Sage starts at $23. None of the six files the GST/HST return for you. Online bookkeeping software costs $0 to $220 a month at list in Canada, $25 to $70 for a typical small business; a three-person service business pays $300 to $840 in year one at list ($1,320 if it needs QuickBooks Plus). Xero, QuickBooks and FreshBooks pay LedgerLogic a referral fee; Wave, Sage and Zoho do not. Xero, QuickBooks Online and FreshBooks prices re-read Oct 8 2026 at each vendor; Wave Sep 20 2026; Sage and Zoho carried from Sep 5 2026.
- [Business Banking](https://www.ledgerlogic.ca/tools/business-banking): The best business bank account in Canada for most incorporated businesses and registered sole proprietors outside Quebec is Venn ($0 monthly, 2% interest on CAD and USD balances held at Bank of Montreal with CDIC eligibility, 2.75% CAD and 3.00% USD on net-new balances added by October 15 2026 and held to July 15 2027, 0.45% FX, free Interac e-Transfers, a Mastercard charge card with 1% cashback on the first $5,000 of monthly card spend on the free plan ($25,000 on the $40 Plus plan, uncapped on the $100 Pro plan), up to $500 back for registered corporations through the LedgerLogic link). Vault is Venn's former name. Loop is the pick for a credit card rather than a charge card on USD, EUR or GBP spend, or for very high conversion volume (0.12% on the $299 Power plan, which undercuts Venn Pro above about US$109,000 a month; no interest listed); both cards spend a held USD, EUR or GBP balance at 0% FX. Loop Plus (CA$79 a month, 0.27%) undercuts every Venn plan, by a few US dollars a month, between roughly US$34,600 and US$74,500 of monthly conversion. Pick Float for a spend platform with 2.5% interest on CAD and 2.75% on USD balances (variable) and Professional from $100 a month including 10 active users, and Airwallex in Quebec (Revenu Quebec MSB licence 14460, $0, 0.5% FX) or for many currencies. The cheapest Big 5 plans are BMO Essential at $5 and RBC Digital Choice at $6, both with unlimited electronic transactions; a Big 5 conversion at about 2.5% costs US$250 on US$10,000 (about CA$353 at 1.41) against US$45 at Venn. Banks still win on cash and cheque deposits, a branch and lending. Fees verified Sep 18 2026 at each provider (BMO carried from Sep 4 2026; Venn re-read Sep 25 2026).
- [Canadian Business Bank Fees 2026 (data)](https://www.ledgerlogic.ca/tools/business-banking/fees): The citable fee dataset behind the comparison: monthly fee, fee waiver, transactions, Interac e-Transfer, cash deposit, FX markup, interest and Quebec availability for nine Canadian business accounts (RBC, TD, BMO, CIBC, Scotiabank, Venn, Airwallex, EQ Bank, Loop), with yearly costs for three business profiles and a CSV at https://www.ledgerlogic.ca/data/canadian-business-bank-fees-2026.csv. Fees verified Sep 18 2026 (Venn Sep 25 2026).
- [Payroll Software](https://www.ledgerlogic.ca/tools/payroll): The best payroll software for most Canadian businesses under about 50 staff is Wagepoint: $20 a month plus $4 per employee for monthly pay or $40 plus $6 for more frequent runs, with CPP, EI and income tax calculated, source deductions remitted to the CRA (and Revenu Québec for Quebec staff), WCB/WSIB and Ontario and BC EHT remittances included, T4s, T4As, ROEs and Quebec RL-1s filed, a 14-day trial, and a two-way sync to Xero, QuickBooks Online and FreshBooks; readers who sign up through the page also get a $50 gift card after their first payroll. The cheapest compliant option is PaymentEvolution at $0 a month plus $4.00 per employee per pay run for up to three employees ($55 setup; its per-run rates rose in September 2026). QuickBooks Payroll EFILEs and remits with the CRA or Revenu Québec and files T4s and RL-1s inside QuickBooks Online, but shows its Core, Premium and Elite prices only at checkout. Employment Hero (formerly Humi) bundles HR with payroll at $7 per employee with a $70 minimum, but its Payroll plan prepares the CRA remittance schedule rather than sending it; Managed Payroll at $30 per employee files. For 50 to 999 employees the Canadian HRIS options are Payworks, Rise, ADP Workforce Now and Employment Hero, and Rippling also sells Canadian payroll. Wave Payroll ($25 plus $6) is not available in Quebec. A team of eight paid every two weeks costs $52 to $88 a month across the published tools. Prices verified Sep 20 2026 at each provider.
- [E-commerce Accounting Tools](https://www.ledgerlogic.ca/tools/ecommerce-accounting): Seven ways Canadian sellers get Shopify, Amazon and Stripe payouts into their books, priced on Sep 6 2026. A2X (top pick for Shopify and Amazon with a bookkeeper): Shopify Mini US$29 to 200 orders a month, Basic US$45 to 500, Professional US$79 to 2,000, Premium US$115 to 5,000; Amazon Starter US$59 to 1,000; multi-channel from US$89 to 1,000 combined orders; one journal per payout matched to the deposit with GST/HST split out; reads PayPal but not Stripe or Square; QuickBooks Online, Xero, NetSuite; free trial. Synder: Basic US$65 a month ($52 billed yearly) with 1,000 synced transactions, reads Stripe, Square, PayPal, Clover and 30+ platforms; 15-day trial. Amaka: free to 60 orders and one integration (Shopify, Square, WooCommerce, Squarespace), Premium US$18 to 500 orders. Link My Books covers Amazon, eBay, Etsy, Shopify, Walmart US, TikTok Shop, WooCommerce and Square on one subscription (5 or 10 channels on Pro and Premium) and prices through a calculator in GBP, USD or AUD; it is the pick for multi-marketplace sellers. Dext Commerce Lite is a $15 CAD add-on to Dext. The Shopify integration by Xero is free on all Xero plans and the Shopify Connector by QuickBooks is free with a QuickBooks plan; both cover one Shopify store only.
- [Receipt Management](https://www.ledgerlogic.ca/tools/receipt-management): Ten ways Canadian businesses capture receipts, priced on Sep 5 2026. Dext is $31.50 a month CAD billed annually ($378) for 250 documents and 5 users, and, through LedgerLogic's partner links, 90% off for 3 months or 30% off for 12 months (no promo code exists). Hubdoc is $15 CAD a month standalone with unlimited documents. Zoho Expense is free for up to 3 users, then C$5 per user. Expensify bills Canadians in US dollars (Collect US$5 per member). Xero and QuickBooks Online include receipt capture at no extra cost (Xero Starter caps bills at 5 a month; QuickBooks EasyStart is one user); FreshBooks scans receipts from Plus ($42) and Wave from Pro ($25). Float matches receipts to card spend at $0 on Essentials (Professional from $100 a month including 10 active users, free for 12 months through our link); Ramp is CA$0 but corporations only, CA$25,000 linked and not in Quebec. CRA: keep records six years from the end of the tax year, digital images are acceptable, and input tax credits from $100 need the supplier GST/HST number, which a card statement line does not show.
- [Spend Management](https://www.ledgerlogic.ca/tools/spend-management): Corporate cards and spend platforms for Canadian businesses, rates and eligibility read at each vendor on Sep 18 2026 (Ramp pricing, Venn and Float re-read Sep 25 2026). Float for a Canadian-native card programme that also pays on your cash: Essentials $0, Professional from $100 a month including 10 active users then $10 per additional active user, CAD and USD cards, 1% cashback only on spend above $25,000 a month per card programme, 2.5% on CAD and 2.75% on USD balances (variable), 0.25% to convert between CAD and USD balances (a card used in another currency pays 2.5%), no personal guarantee, available in every province including Quebec with French support, registered sole proprietors accepted; Professional free for 12 months through the LedgerLogic link. Ramp for cards plus bill pay plus accounting sync at scale: $0 per user, Plus CA$15 per user plus a platform fee (NetSuite, Sage Intacct, Business Central), fixed 1% cashback on CAD and USD cards, per-card monthly limits with merchant-category and named-merchant restrictions, limits by employee, team or vendor, CAD EFT bill pay at no additional fee; corporations, incorporated partnerships and not-for-profits only, CA$25,000 minimum in linked bank accounts, not Quebec or the territories; US$500 after US$1,000 of card spend through the LedgerLogic link. Venn where the bank account matters: $0, $40 or $100 a month, 1% cashback on the first $5,000 of monthly card spend at $0, the first $25,000 at $40 and uncapped at $100, 2% on balances (a promotion pays 2.75% CAD and 3% USD on balances added Jul 15 to Oct 15 2026), daily to annual limits per card or team, not Quebec. Airwallex: $0, multi-currency cards with zero international fees, up to 1% rebate on CAD spend, 0.5% FX, Quebec MSB licence 14460, no customer offer; Grow caps at 250 Spend users. Quebec-incorporated companies: Float and Airwallex. 1,000 employees: Ramp Plus outside Quebec and the territories, Float Enterprise in every province; neither lists Humaans as an HRIS integration. Loop: $0, $79 or $299, points not cash, FX 0.47% to 0.12%. RBC PayEdge is accounts payable, not cards: $0 a month, EFT $1.00, 2.3% fee to fund a payment by credit card. Brex is not open to Canadian-only companies.
- [Float Credit Card Review: Legit, Fees, Yield, Cashback](https://www.ledgerlogic.ca/tools/float-canada-review): Float is legit: Float Financial Solutions Inc. is a Toronto payment service provider registered under the Retail Payment Activities Act and with FINTRAC (MSB M23497654), holding customer funds in trust at Scotiabank in the business's name with CDIC cover up to $100,000 combined across CAD and USD; Float is not a bank. Cards are a CAD Visa and a USD Mastercard with no annual fee. Essentials is $0 per user (up to 20 physical cards, unlimited virtual); Professional starts at $100 a month including the first 10 active users, then $10 per additional active user, and is free for 12 months through our link. Balances earn a variable base rate of 2.5% CAD and 2.75% USD, paid monthly; the up to 4% advertised at Float's September 2025 launch ended June 1 2026 and the +1% Interest Boost closed to new sign-ups on August 31 2026, so a new account earns the base rate. Cashback is 1% only on card spend above $25,000 a month per currency. Float FX converts CAD to USD at 0.25%, but a card used in a currency it is not denominated in pays a 2.5% foreign transaction fee. Two funding models: Pre-Funded (spend your loaded balance; any registered Canadian business incl. sole proprietors and Quebec) or Float Charge (interest-free credit on 15 or 30-day terms, no personal guarantee, for corporations and partnerships with $50,000 CAD of cash). Rated 4.7/5 by a Canadian CPA. Ramp is the alternative for US-heavy corporations outside Quebec and the territories.
- [Ramp Credit Card Canada Review](https://www.ledgerlogic.ca/tools/ramp-canada-review): CPA review of the Ramp credit card for Canadian businesses, verified at ramp.com, Ramp's Canadian pricing page and its Canadian help centre September 18, 2026; Ramp's province list re-checked at support.ramp.com October 6, 2026 (Saskatchewan supported). Ramp is a corporate charge card, not a revolving credit card: Visa cards in CAD (physical and virtual) and USD (virtual only) issued by Peoples Trust Company, a federally regulated trust company, full balance due every 30-day statement, no interest, no personal guarantee, no personal credit check. Cashback is a fixed 1% on all eligible CAD and USD spend, paid monthly as a statement credit per currency (ramp.com no longer publishes the US programme's rate). Free plan CA$0 per user with no published end date; Ramp Plus CA$15 per user per month plus a platform fee based on team size, billed annually, 30-day trial. Free includes QuickBooks Online and Xero; NetSuite, Sage Intacct and Business Central need Plus. GST, HST, PST and QST are coded automatically. Bill Pay is funded from a CAD bank account: EFT to Canadian vendors, and USD, EUR, GBP and other currencies paid with automatic conversion; a Canadian-domiciled USD account cannot fund it. A foreign exchange fee applies when a CAD card is used for a USD purchase or the reverse. Eligibility: corporations, incorporated partnerships and not-for-profits registered in Canada with a business number and at least CA$25,000 across linked accounts; sole proprietors not eligible; not offered in Quebec, Yukon, the Northwest Territories or Nunavut; most applications reviewed within about a week. No yield in Canada: the Ramp checking (2% APY) and investment (up to 4.48%) accounts are US products and non-US entities cannot open them. US$500 after US$1,000 of card spend through the LedgerLogic link, no code.
- [Dext Review](https://www.ledgerlogic.ca/tools/dext-canada): CPA review of Dext (formerly Receipt Bank) for Canadian businesses: receipt capture by photo or email-in, OCR with supplier rules, and coded publishing into Xero or QuickBooks with GST/HST attached, giving CRA-ready documentation. The Business plan runs $31.50/month CAD on annual billing, and new Canadian subscribers get 90% off for 3 months, or 30% off for 12 months, through our partner links. Either discount applies when you start your Dext trial through a LedgerLogic partner link at ledgerlogic.ca/deals/dext; there is no Dext promo code anywhere, and the codes on coupon sites fail at checkout.
- [Wagepoint Review](https://www.ledgerlogic.ca/tools/wagepoint-review): CPA review of Wagepoint, rated 4.6/5 after running it on client payrolls: Canadian payroll with automatic CPP, EI and income tax, CRA remittances paid on your behalf, and T4s and ROEs filed. Strongest at 1-100 employees; syncs to Xero and QuickBooks. New accounts get a $50 gift card after running their first payroll through our referral link.
- [Ownr Review](https://www.ledgerlogic.ca/tools/ownr-canada-review): CPA review of Ownr (RBC Ventures) for Canadian incorporation. Pricing is an annual plan plus separate government fees: Online Minute Book $199/year (first year free) or Managed Corporation $599/year, with Ontario government filing about $499. Our partner link takes 15% off the base price, and Ownr takes $300 off when you open an RBC business account, netting year one to roughly $124. Compare with Venn incorporation ($299 federal/$449 Ontario with up to $350 credited back) before choosing.
- [FreshBooks Canada Review](https://www.ledgerlogic.ca/tools/freshbooks-canada-review): CPA review of FreshBooks for Canadian service businesses, rated 4.2/5. Toronto-built invoicing and accounting software priced in CAD: Lite $26 per month (5 billable clients), Plus $42 (50 clients, double-entry reports, bank reconciliation, accountant access), Premium $72 (unlimited clients, project profitability, accounts payable), Select custom; every plan is one user and additional team members cost $13 per user per month; 30-day free trial. GST, HST, PST and QST apply on invoices and a Tax Summary report shows tax collected and paid. Best for hourly and project billers working alone or with one helper; Xero (unlimited users) fits better once a bookkeeper and CPA share the file or sales cross provinces. FreshBooks issues no coupon codes; the current promotion is applied automatically at checkout through our link (Lite at $1 a month for the first year, or 80% off Plus and Premium for 3 months, until October 14, 2026). Verified at freshbooks.com/en-ca, September 2026.
- [FreshBooks vs QuickBooks Online for Canadian Businesses](https://www.ledgerlogic.ca/blog/freshbooks-vs-quickbooks-online-canada): FreshBooks for service businesses that sell time and projects with one to three people in the file (Lite $26, Plus $42, Premium $72 per month CAD, one user per plan and $13 per extra user, best invoicing and unlimited time tracking, GST/HST/PST/QST on invoices with a Tax Summary report, double-entry reports and free accountant access from Plus). QuickBooks Online for inventory, payroll, multi-province sales tax or a team (EasyStart $30 with 1 user, Essentials $70 with 3, Plus $110 with 5 and inventory, Advanced $220 with 25; QuickBooks Lite $20 for solo businesses, with no accountant access; free accountant access on every other plan; sales-tax centre prepares GST/HST, PST and QST returns; QuickBooks Payroll at $5 per employee on Core and $8 on Premium files with the CRA and Revenu Québec). Neither uses promo codes. Through LedgerLogic's links as of October 2026, FreshBooks Lite is $1 a month for the first year under FreshBooks's own promotion, which FreshBooks says ends October 14, 2026, and QuickBooks Online is 80% off for 8 months for new customers buying for a Canadian business (payroll not included), which makes Essentials $392 in year one; Intuit's own site runs 90% off for 6 months, only through Buy Now and not combinable with its 30-day trial. Verified at freshbooks.com/en-ca and quickbooks.intuit.com/ca, September and October 2026.
- [Airwallex Canada Review](https://www.ledgerlogic.ca/tools/airwallex-canada-review): CPA review of Airwallex for Canadian businesses, rated 4.3/5. Explore plan is $0 per month with Global Accounts in 20+ currencies, FX at 0.5% above interbank on major currencies (1% on others), free domestic CAD and USD transfers, SWIFT at $20 to $35, and Visa cards with 0% foreign transaction fees issued by Peoples Trust. It is a FINTRAC-registered money services business (MSB M19395067) and a licensed MSB in Quebec (Revenu Quebec licence 14460), not a bank: no cash or cheques, no lending, no CDIC, and its Bank of Canada payment-service-provider registration is pending. There is no Airwallex promo code. Available to Quebec businesses, unlike Venn. Verified at airwallex.com/ca, September 2026.
- [Jobber Canada Review](https://www.ledgerlogic.ca/tools/jobber-canada-review): CPA review of Jobber for Canadian home-service businesses, rated 4.4/5. Job management for lawn care, cleaning, HVAC, plumbing, electrical and similar trades: quotes, scheduling and dispatch, invoicing, online booking, automated client reminders and a client portal, with Jobber Payments available in Canada. Prices are published in US dollars only: Core $29 a month billed annually ($49 monthly), Connect $99 ($139), Grow $149 ($199), Plus $399 ($499) with five users; those are one-person prices and Jobber steps them by team size (Connect $149, $229 and $299 for 2 to 5, 6 to 10 and 11 to 15 people; Grow $229, $299 and $399; Plus $449 and $529 for 6 to 10 and 11 to 15), Core is listed for one person only, and Connect, Grow and Plus are quote-only at 16 or more; add-ons Marketing Suite $99, AI Receptionist $29, Pipeline $49; published payment rates 2.9% plus 30 cents on cards and 1% on bank payments, with Canadian rates shown in the account. 14-day free trial on Grow with no credit card. Founded in Edmonton in 2011, 400,000-plus service pros. Syncs two-way with QuickBooks Online from Connect, and one way into Xero (clients, products, invoices with payments; built and maintained by Xero) on Connect and Grow, per help.getjobber.com, September 2026; Xero shops that want sync on every plan should compare Tradify. Jobber runs no discount or promo code. Verified at getjobber.com, September 2026.
- [Karbon Review](https://www.ledgerlogic.ca/tools/practice-management/karbon-review): CPA review of Karbon, the #1-ranked accounting practice management platform on G2: firm workflow, client work, shared team inbox and email triage in one place. Priced per user from about $59 USD/user/month (Team, annual) to $89 (Business). New accounting and bookkeeping firms starting Karbon through our referral link get a $1,000 implementation credit on new annual subscriptions.
- [Ignition Review](https://www.ledgerlogic.ca/tools/practice-management/ignition-review): CPA review of Ignition for accountants and bookkeepers: digital proposals and engagement letters with payment collection built in, so client agreements, billing and payment authorization happen in one flow. We use it to run our own firm’s engagements. Fits Canadian accounting, bookkeeping and advisory firms that want signed engagement letters and automatic payment collection without chasing.
- [How to Use Float Credit Cards](https://www.ledgerlogic.ca/blog/how-to-use-float-credit-cards): Setting up Float: apply online (about 5 minutes; Float says most business verifications finish within 1 to 3 business days once documents are in; no credit check to open), fund the account or activate Float Charge, then issue virtual cards instantly with per-card limits and let the text-message receipt capture chase documentation for you. Transactions sync into Xero or QuickBooks already coded. New Canadian businesses get the Professional plan free for 12 months through our partner link.
- [Ramp credit card in Canada vs Float](https://www.ledgerlogic.ca/blog/float-vs-ramp-canada): Float is the pick for a Canadian business of any structure that holds CAD or USD cash: 2.5% interest on CAD and 2.75% on USD balances (variable), 0.25% to convert between CAD and USD balances, free EFT and ACH bill pay, 1% cashback only on card spend above $25,000 a month per currency, and the Professional plan free for 12 months through LedgerLogic's link (otherwise from $100 a month including 10 active users). Ramp is the pick for a corporation outside Quebec and the territories with at least CA$25,000 in connected bank accounts that wants the deepest spend automation: 1% fixed cashback from the first dollar on CAD and USD Visa cards issued by Peoples Trust Company, a free plan at CA$0 per user (Ramp Plus CA$15 per user), GST, HST, PST and QST coded from receipts by OCR, but no interest on Canadian-dollar balances because Ramp Treasury is a US-dollar product. Ramp pays the referred business US$500 after US$1,000 of card spend through LedgerLogic's link. Verified September 18, 2026; Float re-read September 25, 2026; Ramp's province list re-checked at support.ramp.com October 6, 2026 (Saskatchewan supported).
- [Is Brex Available in Canada?](https://www.ledgerlogic.ca/blog/brex-canada-alternatives): No. Brex's own account requirements state that every applicant needs a US EIN issued by the IRS, a valid US incorporation, US operations and a US physical address, so a Canadian-incorporated company cannot open Brex; only a US-incorporated subsidiary can, and a Canadian corporation that obtains an EIN from the IRS (free, by Form SS-4 and phone, fax or mail, since the online application needs a US principal place of business) still does not qualify. The Canadian answers, read at each vendor 18 September 2026: Ramp, the closest match, issues CAD and USD Visa cards through Peoples Trust with a fixed 1% cashback and pays US$500 after US$1,000 of card spend through the LedgerLogic link, but only to corporations, incorporated partnerships and non-profits with CA$25,000 across linked accounts and not in Quebec or the territories; Float is Canadian-built, with CAD and USD cards, 0.25% to convert between CAD and USD balances, 2.5% on CAD and 2.75% on USD balances and the Professional plan free for 12 months through the LedgerLogic link. Venn ($0 a month, 1% cashback on the first $5,000 of monthly card spend, not in Quebec) and Loop (Basic $0 a month, 0.47% FX) round out the big-bank corporate card alternatives.
- [Float vs Amex](https://www.ledgerlogic.ca/blog/float-vs-amex-canada): Float Charge extends unsecured credit up to $3M on 15 or 30-day interest-free cycles with no personal guarantee, for corporations and partnerships with at least $50,000 in cash, so the old "it is prepaid" objection no longer holds for them. The real difference: Charge is repaid in full each cycle, so it will not revolve a balance.
- [Dext vs Hubdoc](https://www.ledgerlogic.ca/blog/dext-vs-hubdoc): Dext wins for businesses that process receipts at volume: better OCR accuracy, supplier rules, and line-item extraction. Hubdoc wins on price, because it is included with Xero Starter, Standard and Premium while connected to the subscription. The practical rule: start with Hubdoc since you already have it; move to Dext when volume or coding accuracy starts costing you time. New Canadian Dext subscribers get 90% off for 3 months through our partner link.
- [Incorporate with Ownr](https://www.ledgerlogic.ca/blog/incorporate-business-canada-ownr): Yes, you can incorporate a Canadian business entirely online with Ownr, RBC's incorporation platform. It handles the name search, articles of incorporation, and legal agreements for federal or provincial incorporation at a fraction of what a lawyer charges. See our current Ownr discount before you start, then follow the after-incorporation checklist below.
- [A2X vs Synder](https://www.ledgerlogic.ca/blog/a2x-vs-synder): For most Canadian Shopify and Amazon sellers, A2X is the better connector: it creates one summary journal per payout that matches your bank deposit exactly, which is why e-commerce CPAs prefer it. Choose Synder when you sell across many platforms and need per-transaction detail from processors like Stripe, Square, and PayPal. Both post into Xero or QuickBooks with correct Canadian GST/HST.
- [Best Invoice Software Canada](https://www.ledgerlogic.ca/blog/best-invoice-software-canada): Xero is the best invoicing software for most Canadian businesses, pairing unlimited-user invoicing with full accounting, and new subscribers get 80% off for 6 months through our Xero partner link. Wave is the best free option, and FreshBooks suits freelancers who mainly need polished invoices with payment reminders.
- [Deel Review Canada](https://www.ledgerlogic.ca/blog/deel-review-canada): Deel is the right tool if your Canadian business pays contractors or hires employees in other countries. It handles compliant contracts, multi-currency payments, and local tax paperwork. Contractor management starts around $49 USD per worker per month and full Employer of Record hiring around $599 USD per employee per month. It is overkill for a Canada-only team, where a local payroll provider is cheaper. See Deel for yourself.
- [Deel vs Remote](https://www.ledgerlogic.ca/blog/deel-vs-remote-canada): For most Canadian businesses scaling globally, Deel is the stronger all-in-one choice: it owns entities in more countries, onboards faster, and bundles EOR, payroll, contractor management, HRIS, and IT in one platform. Remote wins on two specific points: cheaper contractor management ($29 vs $49 USD/mo) and an owned-entity model with its named IP Guard guarantee. On EOR, Deel is cheaper on published rates at $599 versus Remote's $699 USD per employee per month, though Remote matches $599 on an annual commitment. See Deel for your team.
- [Jane App Review](https://www.ledgerlogic.ca/tools/clinic-management/jane-app-review): Is Jane App legit? Yes. Jane App is an established Canadian software company built in North Vancouver, used by thousands of allied-health clinics, PIPEDA compliant, with patient data encrypted at rest and in transit. Note jane.app is the clinic software and jane.com is an unrelated e-commerce marketplace. CPA review of Jane App for Canadian clinics, built from Jane's own pages. From $59/mo CAD, priced per practitioner licence with unlimited locations and unlimited admin staff; insurance direct billing to Canadian insurers via TELUS eClaims plus Teleplan in BC is a $20/mo add-on; telehealth and online booking on core plans; charting for every allied-health discipline; clinics pick their data storage region at signup, including Canada. Jane is built in Vancouver and its support team is remote-first across North America. Jane Payroll is generally available to Canadian clinics but does not cover Quebec. New Canadian clinics get one month free by entering code LEDGERLOGIC1MO in the Grace code field at signup.
- [Jane App Pricing Canada](https://www.ledgerlogic.ca/blog/jane-app-pricing-canada): Jane App costs $59/mo CAD for Balance (one practitioner, capped at 20 appointments a month), $79 for Practice or $99 for Thrive, each including one practitioner; the same figures are listed in USD on Jane's US page. Pricing is per practitioner licence, not per location: every plan includes unlimited locations and admin staff, and additional practitioners are $35/mo full-time or $17.50 part-time on Practice ($40 and $20 on Thrive, full-time meaning 24 or more booked hours a week). Insurance billing is a $20/mo add-on plus $5 per extra full-time licence, Jane Payroll is $40/mo plus $6 per staff member (Canada only, not Quebec), and Jane Websites is $59/mo. Jane has no free trial and its pricing page lists no coupon codes; LedgerLogic's partner referral code LEDGERLOGIC1MO gives a new clinic its first month free, entered in the Grace code field at signup. A recurring Jane charge on a clinic owner's credit card is the subscription billed by Jane Software Inc. of North Vancouver, BC on the first business day of each month. Jane App is jane.app, the clinic software, not jane.com.
- [Jane App vs Cliniko](https://www.ledgerlogic.ca/tools/clinic-management/jane-app-vs-cliniko): Jane App wins for most Canadian clinics on insurance direct billing (TELUS eClaims) and multi-discipline scheduling, from $59/mo CAD. Cliniko (from $49/mo CAD, solo tier) is the pick for solo practitioners who want the only real native Xero integration in the category; its Canadian insurance support is light.
- [Jane App vs Owl Practice](https://www.ledgerlogic.ca/tools/clinic-management/jane-app-vs-owl-practice): For most Canadian clinics Jane App wins (from $59/mo CAD, TELUS eClaims insurance direct billing, telehealth on core plans, every discipline); Owl Practice (from $60/mo CAD, built in Canada) is the pick for therapy-only practices: psychotherapists, psychologists and counsellors whose clients submit their own insurance receipts. Both store data in Canada. Owl supports insurance claim submission (eClaims) only on its $80 Advanced and $100 Professional plans; telehealth video is on every solo plan.
- [Is Xero Worth It in Canada](https://www.ledgerlogic.ca/blog/is-xero-worth-it): For most Canadian small businesses Xero is worth it: bank feeds and bank rules, unlimited users on every plan and Hubdoc receipt capture included, at $25, $60 or $80 a month CAD for Starter, Standard or Premium (verified at xero.com/ca 26 September 2026). New organizations get 80% off for 6 months with no code through the LedgerLogic referral link ($5, $12 or $16 a month), or 80% off for 3 months under Xero's own public promotion on xero.com/ca (first organization only). Xero has no built-in Canadian payroll: xero.com/ca points to third-party apps and names Wagepoint, Payment Evolution and Payworks, and Wagepoint costs $20 a month plus $4 per employee (Solo) or $40 plus $6 (Unlimited). Online invoice payments run through Stripe (2.9% + C$0.30 per domestic card payment, 3.7% + C$0.30 international) or GoCardless pre-authorized debit (0.75% + $0.40, capped at $3); employee expense claims are an add-on from $5 a month; Xero prepares GST/HST, BC PST, Manitoba RST, Saskatchewan PST and Quebec QST return reports but you file them yourself with the CRA or Revenu Québec. Xero publishes no Canadian market-share figure (it states 5 million customers worldwide); QuickBooks Online remains the incumbent most Canadian firms know. Less worth it for a sole proprietor with a dozen invoices a year. If payroll in one login, job costing or departmental reporting decides it, QuickBooks Online is the usual alternative; new QuickBooks customers buying for a Canadian business get 80% off for 8 months through a QuickBooks partner link as of October 2026 (QuickBooks Payroll not included).
- [Xero for Multiple Companies](https://www.ledgerlogic.ca/blog/can-i-use-xero-for-multiple-companies): Yes. A single Xero login can manage unlimited separate organizations, and you switch between them from one dashboard without logging out. The catch: each company needs its own paid subscription (from $25/mo), because Xero has no multi-entity discount. This suits distinct legal entities, such as an operating company plus a holding company. Each new organization is a new subscription; under the partner offer's terms (organizations new to Xero) it should qualify for 80% off for 6 months even if you already run another business on Xero, but Xero has not confirmed this, so check the discounted price before you pay. Xero's own public promotion on xero.com (80% off for 3 months) is limited to your first organization. To track divisions of the same entity, use tracking categories instead. Xero has no native multi-entity consolidation: two or three companies are consolidated by exporting each Profit and Loss to Excel with an eliminations column; larger groups use Syft Analytics (owned by Xero since 2024), Joiin or Spotlight Reporting connected to every file. Standardize one chart of accounts, mirrored intercompany accounts and, where possible, one base currency (multi-currency needs Premium at $80 a month only in the organizations that use it) before consolidating.
- [Xero Tracking Categories](https://www.ledgerlogic.ca/blog/xero-tracking-categories-guide): Xero tracking categories are tags that let you report Profit & Loss by business segment, such as location, department, service line, or project, without bloating your chart of accounts. Set them up under Accounting → Advanced → Tracking Categories, where Xero allows up to two categories with 100 options each. You then tag invoices, bills, and bank transactions, and run a P&L filtered by category to see which segments make money. Businesses new to Xero get 80% off for 6 months with no code through the LedgerLogic referral link (Starter $5, Standard $12, Premium $16 a month CAD, then $25, $60 or $80), and Dext, at 90% off for 3 months through the LedgerLogic link, publishes receipts into Xero with the tracking category already set.
- [Xero vs FreshBooks Canada](https://www.ledgerlogic.ca/blog/xero-vs-freshbooks-canada): Xero is the better choice for any Canadian business with a bookkeeper or CPA on the file, more than one user, inventory, multi-currency or sales in more than one province, because users are unlimited on every plan ($25, $60, $80 a month CAD) and its Sales Tax Report is shaped like the GST/HST return; FreshBooks is the better choice for a solo freelancer or consultant who bills by the hour and mostly needs invoices, expenses and time tracking. FreshBooks is Canadian (head office 225 King Street West, Toronto, founded 2003) and its plans are Lite $26 for 5 billable clients, Plus $42 for 50, Premium $72 for unlimited, plus $13 a month per extra team member; it applies GST, HST, PST and QST on invoices and reports them in a Sales Tax Summary, but you file with the CRA yourself, as with Xero. Both carried an offer through LedgerLogic's links in October 2026 with no code: Xero 80% off for 6 months (Standard $12 a month), and, until October 14, 2026, FreshBooks Lite $1 a month for the first year under FreshBooks's own promotion, or 80% off Plus and Premium for 3 months. Year one for one person: FreshBooks Lite $12 against Xero Starter $180 while FreshBooks's promotion runs (until October 14, 2026; at list Lite is $312 a year); for three people: Xero Standard $432 against FreshBooks Plus $715. Verified Sep 20 2026.
- [Xero vs QuickBooks Online Canada](https://www.ledgerlogic.ca/blog/xero-vs-quickbooks-canada): It depends on head count and how far ahead you look. For up to three people QuickBooks Online is the cheaper full ledger in year one through LedgerLogic's partner links (as of October 2026, Essentials, 3 users plus a free accountant seat, is $392 for the first year at 80% off for 8 months, against $432 for Xero Standard at 80% off for 6 months), and it is the better fit when payroll must sit in the same login (QuickBooks Payroll is a separate add-on: Core $30 plus $5 per employee, Premium $55 plus $8, Elite $80 plus $15), when the accountant already works in QuickBooks, for inventory with sales orders and class tracking, or for multi-currency with three users or fewer. Xero is the better value for four or more people and from year two: unlimited users on every plan and Hubdoc included with Starter, Standard and Premium while connected, at $25, $60 or $80 a month CAD, against QuickBooks Online Lite $20 (1 user, no accountant access), EasyStart $30 (1 user), Essentials $70 (3 users, multi-currency), Plus $110 (5 users, inventory, sales orders, classes) and Advanced $220 (25 users); over two years Xero Standard is $1,152 against $1,232 for Essentials. Xero has no Canadian payroll of its own and connects to Wagepoint, Payment Evolution or Payworks. Neither files the GST/HST return: both prepare the figures and you enter them in CRA NETFILE or My Business Account. The QuickBooks partner offer covers EasyStart, Essentials, Plus and Advanced for new customers buying for a Canadian business, not Lite or QuickBooks Payroll; Intuit's own promotion is 90% off QuickBooks Online and the payroll base fee for 6 months on Buy Now. Prices verified at xero.com/ca and quickbooks.intuit.com/ca on 26 September and 8 October 2026.
- [How Long Does It Take to Learn Xero](https://www.ledgerlogic.ca/blog/how-long-does-it-take-to-learn-xero): Most people learn Xero basics, invoicing, capturing receipts, and importing bank transactions, in about 2-3 hours of focused learning. Becoming fully confident across bank reconciliation, GST/HST, and reporting takes 2-4 weeks of regular use, with most businesses fully operational within about three weeks. A clean initial setup is the single biggest factor in learning Xero faster.
- [Should I Switch to Xero](https://www.ledgerlogic.ca/blog/should-i-switch-to-xero): Switch to Xero if you have outgrown spreadsheets or desktop software, want real-time cloud access for you and your accountant, or you are tired of QuickBooks price increases. Hold off if you depend on a QuickBooks-only feature or run complex inventory. Migration from QuickBooks or Sage brings recent history across (Movemybooks, the conversion service Xero Canada names, converts up to 2 years), but Xero does not apply its discounts to an organization a conversion service created, so confirm the order with the provider first. New Xero organizations get 80% off for 6 months through our partner link, which makes testing the switch low-risk.
- [QuickBooks to Xero Migration](https://www.ledgerlogic.ca/blog/quickbooks-to-xero-migration-canada): Canadian businesses can migrate from QuickBooks Online to Xero with Movemybooks, the conversion service Xero Canada names (up to 2 years of transaction history, free for Xero partners converting to Standard or Premium), or with Xero's DIY templates, with the full migration taking 1-5 business days. Xero says its discounts do not apply to an organization a conversion service created, so confirm with the provider that it converts into an organization you subscribed to through the partner page. The biggest risk is incorrect GST/HST tax code mapping, so have a CPA verify the conversion before going live, especially if you sell across multiple provinces. The best time to switch is at the start of a new fiscal quarter or calendar year to keep your reporting periods clean.
- [Xero Accountant Canada](https://www.ledgerlogic.ca/xero-support): LedgerLogic is a Canadian CPA firm and Xero certified advisor offering Xero accountant services: monthly bookkeeping in Xero, GST/HST filing, year-end financials and T2, cleanups, and Xero setup or migration. Listed in the official Xero advisor directory. Fixed monthly pricing, fully remote across Canada.
- [Xero Pricing Canada](https://www.ledgerlogic.ca/blog/xero-pricing-canada): Xero costs $25 a month CAD for Starter (quotes and 20 invoices a month, 5 bills a month), $60 for Standard and $80 for Premium (multi-currency), before GST/HST, with unlimited users and Hubdoc (Smart Document Capture) on Starter, Standard and Premium (verified at xero.com/ca 26 September 2026). New organizations get 80% off for 6 months through the LedgerLogic partner link; offer details and Xero's own public offer are on https://www.ledgerlogic.ca/deals/xero. Add-ons are Expenses from $5 and Projects from $10 a month. Payroll is not included in any plan: Wagepoint adds it at $20 a month plus $4 per employee (Solo, one pay run a month) or $40 plus $6 (Unlimited), so Xero Standard with Wagepoint for five people is $100 a month before tax. Card payments on invoices cost 2.9% + C$0.30 through Stripe; GoCardless pre-authorized debit is 0.75% + $0.40, capped at $3.
- [Xero Chart of Accounts Canada](https://www.ledgerlogic.ca/blog/xero-chart-of-accounts-canada): CPA guide to setting up a Canadian chart of accounts in Xero, with industry templates for service, e-commerce, and construction businesses, GST/HST account mapping, and the common numbering mistakes to avoid.
- [Is Xero Easy to Use?](https://www.ledgerlogic.ca/blog/is-xero-easy-to-use): A CPA’s honest answer: yes for day-to-day bookkeeping (bank reconciliation, invoicing, Hubdoc receipt capture are genuinely simple), with a learning curve concentrated in initial setup and GST/HST configuration, which is where most Canadian owners get help.
- [Jane App Alternatives Canada](https://www.ledgerlogic.ca/blog/jane-app-alternatives-canada): The best Jane App alternative in Canada depends on the clinic type (verified at each vendor's own site, 20 September 2026; Jane, Noterro, Practice Better, Cliniko, Juvonno, Owl Practice and Zdrovia rechecked 8 October 2026): Practice Better for nutrition, naturopathic and coaching practices ($35 to $155 CAD a month by client cap; the LedgerLogic link takes 20% off the first 4 months on Professional, Plus or Team automatically, there is no code, and Starter is not discounted); Owl Practice for mental-health practices ($60, $80 or $100 CAD plus tax at list price, 60% off the first 3 months on its October 2026 promotion, all data stored in Canada); Zdrovia for cash-pay medspas (free for one practitioner, $49 or $89 a month at an early rate locked for 12 months, Canadian data residency, injectable inventory by lot and expiry, no insurer billing); Noterro for budget massage and RMT clinics ($33, $55 or $77 CAD a month, TELUS eClaims on the $77 Max plan only); Juvonno for multi-location rehab clinics (Launch $55 for one location, Grow and Scale $99 or $129 per location, plus $34 to $39 per additional concurrent licence, billed in CAD to Canadian clinics, HCAI, OHIP and Manitoba Health add-on $99 a month); Cliniko for a solo practitioner who wants a native Xero sync ($49 CAD, or $99 for 2 to 5 practitioners, no Canadian insurer billing); SimplePractice ($49 to $99 USD) accepts Canadian accounts but files claims only with US insurers and stores data in the US; Pabau quotes Canadian clinics in CAD after a demo and has no TELUS eClaims, OHIP or MSP billing. Jane App remains the pick for any multi-discipline clinic that bills extended health through TELUS eClaims ($59, $79 or $99 CAD a month with one practitioner included, then $35 or $40 per additional full-time practitioner, unlimited locations), has no free trial, and gives new accounts one month free with the code LEDGERLOGIC1MO. Jane also sells a human virtual receptionist add-on in Canada and the US (monthly cost by quote) and describes an AI receptionist as in development; AgentZap (from $109 a month) and Kickcall (Toronto-built) are third-party AI receptionists that book directly into Jane.
- [How to Start a Private Practice in Canada](https://www.ledgerlogic.ca/blog/how-to-start-a-private-practice-canada): To start a private practice in Canada, a regulated health professional usually begins as a sole proprietor (Ontario trade name $60, five years), registers for GST/HST only if the services are taxable and exceed $30,000 over four consecutive quarters (physiotherapy, chiropractic, psychology, psychotherapy and counselling therapy since 20 June 2024, dietetics, OT, SLP and naturopathy are exempt under Schedule V of the Excise Tax Act; massage therapy is not), carries the liability insurance the college sets (College of Physiotherapists of Ontario $5 million per incident; CRPO $1 million per occurrence and $5 million aggregate), keeps records at least 10 years, and opens a separate business account on day one (Venn, $0 a month, not in Quebec). The software stack is Jane App ($59 to $99 a month per practitioner, one month free with code LEDGERLOGIC1MO, no free trial), Xero ($25 a month, 80% off for 6 months through LedgerLogic's link), Dext ($31.50 a month) and Wagepoint at the first hire ($20 plus $4 per employee); incorporation runs $300 direct in Ontario, $200 federal, or through Ownr or Venn ($449 Ontario with $350 credited back). A solo Ontario physiotherapist's first year is about $1,596 before rent and insurance. Verified at laws-lois.justice.gc.ca, canada.ca, ontario.ca, collegept.org, crpo.ca, jane.app, xero.com, wagepoint.com and venn.ca, September 2026.
- [GST/HST for Health Professionals in Canada](https://www.ledgerlogic.ca/blog/gst-hst-health-professions-canada): In Canada a health service is GST/HST exempt only if it is listed in Schedule V, Part II of the Excise Tax Act (physicians, dentists, nurses, pharmacists' clinical services, dental hygienists, dietitians, social workers, and the section 7 list: optometry, chiropractic, physiotherapy, chiropody, podiatry, audiology, speech-language pathology, occupational therapy, psychology, psychotherapy and counselling therapy since 20 June 2024, midwifery, acupuncture and naturopathy since 12 February 2014), is rendered to an individual by a practitioner licensed in the province or holding equivalent qualifications, and is made for a health purpose. Massage therapy, kinesiology, athletic therapy and personal training are taxable, and manual osteopathy is taxable for supplies after 5 June 2025 (Budget 2025, S.C. 2026, c. 3). Products, cosmetic services and reports for insurers, lawyers or employers are taxable whoever supplies them; only taxable sales count toward the $30,000 small-supplier threshold, and no input tax credits are available on costs of exempt supplies. Verified at laws-lois.justice.gc.ca (Excise Tax Act, Schedule V, Part II), CRA Memorandum 25-3, Policy P-256, Bulletins B-109 and B-110, Notice 311, Budget 2025 and Bill C-15, and Revenu Quebec, September 2026.
- [Professional Corporations for Health Professionals in Canada](https://www.ledgerlogic.ca/blog/professional-corporations-health-professionals-canada): Regulated health professionals in Canada must practise through a college-approved professional corporation rather than an ordinary company in Ontario, BC, Manitoba, Saskatchewan, Nova Scotia and New Brunswick; Alberta applies that regime only to physicians, surgeons, osteopaths, dentists, chiropractors and optometrists (physiotherapists incorporate a standard company), and Quebec requires each Order's regulation, which for physiotherapy lets non-members hold up to just under half the voting rights. Shares are restricted to members of the profession in Ontario (physicians and dentists may add family non-voting shares under O. Reg. 665/05), and the certificate costs $774 then $283 a year for an Ontario physiotherapist, $300 then $120 in BC, $250 then $150 in Saskatchewan. Retained income is taxed at 9% federal plus 0% to 3.2% provincial (11.2% in Ontario since July 1, 2026, 20.5% for a solo Quebec corporation that fails the 5,500-hour test), which is a deferral rather than a saving, worth about $19,800 in a year for an Ontario physiotherapist netting $180,000 who keeps $60,000 in the corporation. Verified at ontario.ca e-Laws, bclaws.gov.bc.ca, kings-printer.alberta.ca, legisquebec.gouv.qc.ca, the provincial college fee pages, laws-lois.justice.gc.ca and canada.ca, September 2026.
- [Clinic Associate Agreements in Canada](https://www.ledgerlogic.ca/blog/associate-agreements-health-clinics-canada): A Canadian clinic associate is an employee or a contractor on the facts (CRA guide RC4110: intent, then control, tools, subcontracting, financial risk, investment and chance of profit; Quebec applies the Civil Code subordination test), and a clinic that misclassifies pays both shares of CPP and EI plus a 10% penalty and interest, with directors personally liable. On GST/HST, CRA Policy Statement P-238 treats a percentage the clinic keeps for facilities and administration as a taxable supply to the associate (Sample Ruling 7, 40% retention taxed) but a bona fide share of the fee for the exempt health service as not taxable (Sample Ruling 5); the associate usually cannot recover the tax. Fee splits of 60/40 to 70/30 are commonly seen but not published anywhere official, and an associate billing through a one-person corporation who would otherwise be an employee is a personal services business under ITA 125(7) with an additional 5% federal tax. Verified at canada.ca (RC4110, P-238, GST/HST Memorandum 25-3, T4001, 2026 CPP and EI rate pages), laws-lois.justice.gc.ca and jane.app, September 2026.
- [Insurance Billing Bookkeeping for Canadian Clinics](https://www.ledgerlogic.ca/blog/insurance-billing-bookkeeping-clinics-canada): Insurance billing bookkeeping for Canadian clinics: record each visit gross on the date of service and track receivables by payer (patient, insurer, public payer). Jane Payments charges 2.5% on the terminal, 2.75% online and $0.10 per Interac debit, and pays out net of fees two business days later, so run card takings through a clearing account and post payouts as transfers, never as revenue. TELUS Health eClaims is free to clinics and the insurer pays the clinic on the insurer's own schedule (Manulife within a business day of the claim paying, Alberta Blue Cross daily EFT, Canada Life weekly, Desjardins on the 15th and month end, AdjudiCare 3 to 10 business days); insurer EFTs reduce the insurer receivable and shortfalls move to the patient or a write-off. Verified at jane.app guides and pricing, plus.telushealth.co eClaims FAQ pages, providerconnect.ca, squareup.com/ca, stripe.com/en-ca, laws-lois.justice.gc.ca Schedule V Part II and canada.ca memoranda 25-3 and 4-2, September 2026.
- [Bookkeeping for Psychotherapists and Counsellors in Canada](https://www.ledgerlogic.ca/blog/bookkeeping-for-psychotherapists-counsellors-canada): Psychotherapy and counselling therapy services rendered to an individual by a qualifying practitioner have been GST/HST exempt across Canada since 20 June 2024 (Bill C-59, Excise Tax Act Schedule V Part II s. 7(j.1) and (j.2)): CRPO Registered Psychotherapists in Ontario, OPQ psychotherapy permit holders in Quebec, licensed counselling therapists in New Brunswick, Nova Scotia and PEI, and practitioners elsewhere with equivalent qualifications (CRA has confirmed ACTA, BCACC, CACFT and CCPA). Workshops, reports for lawyers or insurers, coaching and corporate contracts stay taxable, and a practitioner only needs to keep a GST/HST account if that taxable side exceeds $30,000 over four consecutive calendar quarters; closing the account requires a final return and change-in-use tax on capital property. Exempt practitioners cannot claim input tax credits, which costs roughly $2,455 a year on $19,500 of Ontario expenses in LedgerLogic's example, against about $22,425 a year clients stop paying at $150 a session. Verified at canada.ca (Memorandum 25-3, April 2026), laws-lois.justice.gc.ca, crpo.ca and telushealth.co, September 2026.
- [Naturopath Bookkeeping in Canada](https://www.ledgerlogic.ca/blog/bookkeeping-for-naturopathic-doctors-canada): Naturopathic services rendered by a licensed naturopathic doctor have been GST/HST exempt since 11 February 2014 under paragraph 7(m) of Part II of Schedule V to the Excise Tax Act; NDs are licensed in BC, Alberta, Saskatchewan, Manitoba, Ontario and Nova Scotia (Nova Scotia under the Regulated Health Professions Act from 27 May 2026), and in unregulated provinces such as Quebec the exemption requires equivalent qualifications. CRA Bulletin B-109 treats IV therapy, injections and ordered lab tests given to treat a condition as part of the exempt service, while supplements, tinctures, retail products, cosmetic treatments and courses are taxable, so only those count toward the $30,000 small supplier threshold. A registered mixed clinic claims 100% of the tax on dispensary stock, nothing on exempt-treatment supplies, and a revenue-based share on rent and software; a $220,000 consultation and $80,000 dispensary clinic in Ontario remits about $3,467 of HST a year on that basis. Verified at laws-lois.justice.gc.ca, canada.ca (B-109, Memorandum 8-3, Memorandum 4-3, RC4022, T4002), bclaws.gov.bc.ca, saskatchewan.ca, gov.mb.ca, revenuquebec.ca, jane.app and practicebetter.io, September 2026.
- [Tax Write-Offs for Physios, RMTs and Therapists in Canada](https://www.ledgerlogic.ca/blog/tax-write-offs-health-practitioners-canada): A self-employed physiotherapist, RMT, chiropractor or psychotherapist in Canada deducts college registration and association dues (T2125 line 8760), professional liability insurance (line 8690), continuing education that maintains an existing skill (IT-357R2; a new qualification is capital), clinic rent or a fee split billed to them (line 8910, only if gross fees were reported), supplies, the business share of phone and vehicle costs (actual costs by logbook, no per-kilometre rate), 50% of meals, and equipment by CCA (treatment table Class 8 at 20%, instruments under $500 Class 12 at 100%, laptop Class 50 with a proposed 100% first-year write-off for additions available for use before 2027; the $1.5 million immediate expensing rule ended for individuals with property available for use before 1 January 2025). A home office for telehealth qualifies only as the principal place of business, because the CRA reads "meeting patients" as in person (Folio S4-F2-C2 para 2.14). Practitioners whose services are exempt under Schedule V Part II section 7 (psychotherapy and counselling therapy since 20 June 2024) cannot claim input tax credits, so GST/HST paid is part of the deductible cost; employees can claim dues and liability insurance at line 21200 but need a T2200 for anything else and get nothing for clothing or courses. Verified at canada.ca (T4002 chapters 3 and 4, Folio S4-F2-C2, IT-357R2, Memorandum 25-3, motor vehicle records), laws-lois.justice.gc.ca (ITA s. 8, 18, 20, 67.1, 118.5; ETA Schedule V Part II s. 7) and the Department of Finance 2026 automobile limits release, September 2026.
- [Practice Better Review](https://www.ledgerlogic.ca/tools/clinic-management/practice-better-review): CPA review of Practice Better for Canadian nutrition, naturopathic, coaching and therapy practices, rated 4.5/5. Toronto company (Green Patch Inc., founded 2016) billing Canadian practitioners in CAD: Sprout free for students and recent graduates (3 clients), Starter $35 a month ($25 annual, 10 clients), Professional $69 ($62 annual, 300 clients, fixed-date programs), Plus $99 ($89 annual, unlimited clients, evergreen courses, 750 SMS), Team $155 (shown at $155 on annual billing too, plus $50 per extra practitioner); 14-day trial (30 on Team), no contracts. Telehealth on paid plans, journaling, protocols, Fullscript, Rupa Health and That Clean Life integrations; Practice Better Payments (Stripe) at 2.9% + $0.30 online in Canada, Interac $0.15. No Canadian insurance direct billing (superbills and US clearinghouses only), so insurer-billing clinics belong on Jane App. States PIPEDA, PHIPA and HIPAA compliance; primary data servers moved in 2026 from Quebec to AWS in the United States. Xero and QuickBooks sync through the Connector Hub add-on ($49 a month, Plus and Team); AI Charting Assistant from $10 a month per practitioner. Practice Better issues no public promo code and coupon-site codes fail at checkout; its discounts are partner links, and through the LedgerLogic link new customers get 20% off the first 4 months on Professional, Plus or Team, applied automatically after the free trial, with no code to type and no discount on Starter (verified 15 September 2026). Verified at practicebetter.io and help.practicebetter.io, September 2026. Best for dietitians and nutritionists, health and wellness coaches, naturopathic and functional-medicine practitioners, online therapists paid by the client, and solo practices growing into teams; not for clinics that direct-bill Canadian insurers, run rooms and a front desk with several practitioners, or need recipe creation built in (That Clean Life integration), per Practice Better's own comparison page.
- [Jane App vs Practice Better](https://www.ledgerlogic.ca/tools/clinic-management/jane-app-vs-practice-better): The choice follows the business model. Jane App (from $59/mo CAD) wins for appointment-driven Canadian clinics: TELUS eClaims insurance direct billing, online booking, charting for every discipline, one free month with code LEDGERLOGIC1MO entered in the Grace code field at signup. Practice Better (Toronto-built, from $35/mo CAD, with a free Sprout plan for students and recent graduates) wins for nutritionists, dietitians and health coaches selling programs, courses and protocols; its insurance billing is superbills via the US Claim.MD clearinghouse, with no Canadian insurer integration. Both are PIPEDA and PHIPA compliant. Practitioners choose Practice Better over Jane for programs and courses sold as products, protocols and food journaling, between-session engagement (automated check-ins, group messaging, a client mobile app) and instalment-billed packages; they stay on Jane for rooms, a front desk, multi-practitioner scheduling and insurer claims.
- [Clinic Management](https://www.ledgerlogic.ca/tools/clinic-management): Six clinic platforms for Canadian practices, priced per practitioner on Oct 8 2026. Jane (top pick, CAD): Balance $59 (one practitioner, 20 appointments a month), Practice $79 including one full-time practitioner plus $35 per additional full-time and $17.50 per part-time, Thrive $99 (+$40 / +$20); Insurance Billing add-on $20 plus $5 / $2.50 per additional practitioner for TELUS eClaims, Teleplan and Pacific Blue Cross (no HCAI); unlimited AI Scribe $15 per practitioner; one month free with code LEDGERLOGIC1MO through the LedgerLogic link. Noterro (CAD for visitors in Canada): Core $33 plus $13.20 per additional practitioner, Plus $55 plus $22 (insurance codes), Max $77 plus $27.50 (TELUS eClaims). Juvonno (billed in CAD to Canadian clinics): Launch $55 for one location plus $34 per additional licence, Grow $99 per location with TELUS eClaims, HCAI, OHIP and Manitoba Health billing a $99 add-on. Cliniko (CAD for visitors in Canada): $49 for one practitioner, $99 for 2 to 5, $149 for 6 to 8, up to $399, native Xero integration, no Canadian insurer billing, 30-day trial. Owl Practice (CAD, mental health): Growth $60 (20 sessions), Advanced $80, Professional $100; groups by quote. Practice Better (CAD, nutrition and coaching): Sprout free, Starter $35, Professional $69, Plus $99, Team $155 plus $50 per extra practitioner; Xero and QuickBooks sync is a $49 add-on. None replaces Xero or QuickBooks.
- [Practice Management (accounting firm stack)](https://www.ledgerlogic.ca/tools/practice-management): Seven tools for Canadian accounting and bookkeeping firms, priced on Sep 6 2026. Tax: TaxCycle Complete Tax Suite $2,800 a year for the first user and $756 per additional (T1, T2, T3, slips, Quebec TP1 and CO-17, RL slips), free Xero partner account included; Tax Basics $1,680. Workflow: Karbon Team US$59 per user per month paid annually (Business US$89), TaxDome Pro CA$1,300 per seat per year (Business CA$1,600, Essentials CA$1,050 on 2-year terms, monthly Pro seat CA$130, seasonal Business seat CA$600 per 4 months), Financial Cents Solo US$19 a month or Team US$49 per user. Proposals and billing: Ignition Solo $39, Core $99, Pro $249, Pro+ $499 a month billed annually, priced per firm by active clients, in CAD for Canadian firms. Ledgers: the Xero partner programme and QuickBooks Online Accountant are both free for the firm. A solo practitioner runs the full stack for under $4,000 a year; a five-person firm roughly $9,000 to $11,000.
- [Movemybooks Review Canada](https://www.ledgerlogic.ca/blog/movemybooks-review-canada): Is Movemybooks free in Canada? The standard conversion to Xero is paid for by Xero, and Xero Canada's conversion page offers it free to Xero partners converting a file to Standard or Premium; the trade-off is that Xero's discounts, including the 80% partner offer, do not apply to an organization a conversion service created (Xero Central), so confirm the order with Movemybooks before you subscribe. The standard conversion includes roughly two years of core history (current year plus prior year) from QuickBooks Online (Essentials/Plus), QuickBooks Desktop 2009+, Sage 50 Canada 2008+, Sage Accounting, or KashFlow. Extra years and non-core data (payroll, inventory, attachments) cost extra, and no one verifies the converted balances against the old file; end-of-conversion discrepancies typically involve multiple interacting transactions that conversion support cannot diagnose. CPA verdict: good default for most QuickBooks files; for old Sage 50 files with many years of history, a CPA-led full-history conversion with year-end tie-outs (see the Sage 50 to Xero Conversion Service) is usually the better route.
- [TaxCycle Review](https://www.ledgerlogic.ca/tools/taxcycle-review): CPA review of TaxCycle, Canadian professional tax software (T1/T2/T3), including pricing, a ProFile and Taxprep comparison, pros and cons, and who should switch. Written by a CPA who runs TaxCycle in practice after years on legacy desktop tax suites.

## Blog
- [Jobber vs Tradify for Canadian Trades](https://www.ledgerlogic.ca/blog/jobber-vs-tradify-canada): Jobber prices per plan in US dollars for one person (Core $29, Connect $99, Grow $149, Plus $399 with five users, billed annually) and steps up by team size (Connect $149 for 2 to 5 people, $229 for 6 to 10, $299 for 11 to 15; Core is listed for one person only) and is strongest on client-facing automation: online booking, reminders, follow-ups, two-way SMS, a client portal, and Jobber Payments in Canada; it syncs two-way with QuickBooks Online from Connect and one way into Xero on Connect and Grow (built and maintained by Xero). Tradify prices per user in Canadian dollars (Lite $62, Pro $68, Plus $80 per user per month; Instant Website add-on $16) and syncs with both Xero and QuickBooks Online on every plan, with progress invoicing, bill tracking, timesheets and subcontractor scheduling from Pro. A solo operator pays Jobber Core US$29 or Tradify Lite CA$62; a three-person crew pays Jobber Connect US$149 or Tradify Pro CA$204; a six-person crew pays Jobber Connect US$229 or Tradify Pro CA$408. Both offer a 14-day free trial; neither offers a discount code. Pick Jobber for a QuickBooks Online business that wants the client hub; pick Tradify for a Xero business or a crew that wants a flat Canadian-dollar price per user. Verified at getjobber.com and tradifyhq.com/en-ca, September 2026. Tradify is 50% off for 3 months through the LedgerLogic link (applied automatically on its sign-up form, no code to type, verified September 2026); Jobber has no partner discount, only its own buy-now offer inside the trial (20% off a monthly plan for 3 months).
- [Venn Review](https://www.ledgerlogic.ca/tools/venn-canada-review): CPA hands-on review of Venn, rated 4.8/5 after more than 12 months running our own account on it. Venn is legit but not a bank: Venn Software Inc. (formerly Vault) is a Toronto fintech registered with FINTRAC as a money services business (M22941967) and a registered payment service provider with the Bank of Canada; balances are held at CDIC-member Bank of Montreal, and its Mastercard charge card (1% cashback on the first $5,000 of monthly card spend on Essentials, $25,000 on Plus and uncapped on Pro; no personal guarantee) is issued by Peoples Trust. Essentials is $0 a month with 0.45% FX, $2 per local EFT and free Interac e-Transfer; Plus is $40 with 0.35% FX and free local transfers; Pro is $100 with 0.25% FX. Interest is 2% on all CAD and USD balances, and the Interest Boost pays 2.75% CAD and 3.00% USD on net-new balances added by October 15, 2026, held to July 15, 2027 (Float publishes 2.5% on CAD and 2.75% on USD; Loop and Airwallex list no interest on balances). Corporations and registered sole proprietors registered in Canada are eligible; partnerships are not supported and Venn is not available in Quebec; no cash or cheque deposits and no lending. Balances sit in trust accounts at BMO; EFT details show institution 621 (Peoples Trust, Venn's EFT partner); CDIC covers eligible CAD and foreign-currency deposits up to $100,000 per category, all currencies combined. Support is in-app chat or email with no phone line, and there are iOS and Android apps. Trustpilot 4.7 from 471 reviews. Registered corporations that open through our referral link earn $100, $250 or $500 at $10,000, $25,000 or $50,000 of card spend within 90 days, with no promo code; sole proprietors get the account without the bonus.
- [Float vs Venn](https://www.ledgerlogic.ca/blog/float-vs-venn-canada): Both are Canadian business accounts with cards and spend management. At standard rates Float pays more on balances (2.5% on CAD and 2.75% on USD, against Venn's standard 2%) and converts CAD and USD balances more cheaply (0.25%, which Venn matches only on its $100 Pro plan), but pays cashback only above $25,000 a month. Float cannot replace a primary bank account: it has no pre-authorized debits, cheques or payroll funding. Venn pays 1% cashback from the first dollar, capped at $5,000 of card spend a month on the free Essentials plan and $25,000 on the $40 Plus plan (uncapped on Pro), and is unavailable in Quebec.
- [How to File a GST/HST Return in Canada](https://www.ledgerlogic.ca/blog/how-do-i-file-a-gsthst-return-in-canada-a-step-by-step-guide): File in CRA My Business Account with the built-in NETFILE service (or upload the return Xero or QuickBooks Online prepares): line 101 total sales, line 105 GST/HST collected, line 108 input tax credits, line 109 net tax, line 110 instalments paid, line 111 rebates, line 114 refund or line 115 payment. Electronic filing is mandatory for reporting periods beginning in 2024 or later, except charities and selected listed financial institutions. Reporting periods: annual up to $1,500,000 of taxable supplies, quarterly to $6,000,000, monthly above (a more frequent period can be elected, never a less frequent one). Deadlines: one month after the period for monthly and quarterly filers; three months after year-end for annual filers; a sole proprietor with a December 31 year-end pays by April 30 and files by June 15. Annual filers with previous-year net tax of $3,000 or more pay quarterly instalments one month after each fiscal quarter. Nil returns are still required. Quebec registrants file GST and QST through Revenu Québec. Verified at canada.ca, September 2026.
- [When and How to Register for GST/HST in Canada](https://www.ledgerlogic.ca/blog/when-and-how-do-i-register-for-gst): Registration is mandatory once worldwide taxable supplies exceed $30,000 in a single calendar quarter or over four consecutive calendar quarters (self-employed taxi and ride-share drivers must register regardless; most non-residents making taxable supplies in Canada must register). Exceed it in one quarter and the effective date is the sale that crossed the line, with 29 days to register; exceed it over four quarters and small-supplier status ends at the end of the month after that quarter, with the effective date no later than the next sale. Voluntary registration is allowed below the threshold with an effective date up to 30 days before the request. Register through Business Registration Online (the GST/HST number is issued on screen during the session and a business number is created at the same time if needed), by phone at 1-800-959-5525, or by Form RC1; Quebec businesses register for GST and QST with Revenu Québec. Registration is free. Verified at canada.ca, September 2026.
- [Self-Employed Home Office Deduction in Canada](https://www.ledgerlogic.ca/blog/self-employed-home-office-tax-deduction-canada): Self-employed Canadians claim business-use-of-home expenses on Form T2125 Part 7, line 9945, if the workspace is the principal place of business or is used exclusively and regularly to meet clients. Eligible: the business share of heat, electricity, insurance, maintenance, property taxes, mortgage interest or rent, and optional CCA (usually not advisable because it erodes the principal residence exemption). Share = workspace area divided by total home area, reduced by business hours out of 24 if the space is also personal. The claim cannot create or increase a business loss; the excess carries forward. Verified at canada.ca, September 2026.
- [Bookkeeping for Content Creators and Influencers in Canada](https://www.ledgerlogic.ca/blog/content-creator-bookkeeping-services-top-5-tips): Platform payouts, sponsorships, affiliate income, memberships, merchandise and gifted products of more than nominal value are business income, reported on T2125 (or a T2 if incorporated). GST/HST registration is required once taxable sales pass $30,000 in a quarter or four consecutive quarters; Canadian brand deals are taxable at the client's provincial rate, ad revenue from non-resident platforms is generally zero-rated. Deductible: equipment through CCA, software, props, the business share of internet, phone and home studio, travel for shoots, agents, editors, 50% of meals. Incorporation usually pays past roughly $80,000 to $100,000 of net income. Tools: FreshBooks for invoicing-first books, Venn for a USD account at 0.45% FX (not in Quebec), Ownr to incorporate online. Verified September 2026.
- [Quebec Small Business Tax Rate](https://www.ledgerlogic.ca/blog/quebec-small-business-tax-rate): A Quebec CCPC pays 9% federal plus 3.2% provincial on the first $500,000 of active business income (12.2% combined), and 2.2% provincial (11.2% combined) for taxation years beginning after April 29, 2026, when Quebec raised its small business deduction from 8.3 to 9.3 points off the 11.5% general rate. The Quebec rate requires at least 5,500 paid employee hours in the year (or primary or manufacturing sector status); the deduction phases out between 5,000 and 5,500 hours and is nil below 5,000, leaving 11.5% provincial and 26.5% combined. Income above $500,000 is taxed at 15% federal plus 11.5% Quebec. Quebec files its own CO-17 corporate return. Most fintech business tools exclude Quebec (Venn, Ramp); Airwallex (Revenu Québec MSB licence 14460), Wise Business and Xero serve Quebec businesses. Verified against Revenu Québec and Finances Québec Bulletin 2026-3, September 2026.
- [Corporate Tax Rates by Province in Canada](https://www.ledgerlogic.ca/blog/canadian-corporate-tax-rates-by-province): Federal 9% small business (first $500,000) and 15% general. Provincial small business rates in 2026: Alberta 2%, BC 2%, Manitoba 0%, New Brunswick 2.5%, Newfoundland and Labrador 2.5%, Northwest Territories 2%, Nova Scotia 1.5% (since April 1, 2025, $700,000 limit), Nunavut 3%, Ontario 2.2% since July 1, 2026 (3.2% before, prorated for taxation years that straddle the date), PEI 1% ($600,000 limit), Quebec 3.2% falling to 2.2% for taxation years beginning after April 29, 2026 (5,500-hour rule), Saskatchewan 1% ($600,000 limit), Yukon 0%. Provincial general rates: Alberta 8%, BC 12%, Manitoba 12%, New Brunswick 14%, Newfoundland and Labrador 15%, NWT 11.5%, Nova Scotia 14%, Nunavut 12%, Ontario 11.5%, PEI 15% (since July 1, 2025), Quebec 11.5%, Saskatchewan 12%, Yukon 12%. Quebec and Alberta collect their own corporate tax. Verified at canada.ca and provincial budgets, September 2026.
- [How to Get a CRA Business Number](https://www.ledgerlogic.ca/blog/a-complete-checklist-for-registering-with-canada-revenue-agency): A CRA business number is a free 9-digit identifier; program accounts add a two-letter identifier and four-digit reference (123456789 RT 0001 for GST/HST, RP 0001 payroll, RC 0001 corporation income tax; the "RC number" is not a separate number). Register through Business Registration Online (number issued on screen in the session; the CRA does not mail it), by phone at 1-800-959-5525, or by mailing Form RC1. Federal incorporations and those in Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, PEI and Saskatchewan receive the BN and RC account automatically; Quebec, Newfoundland and Labrador, Yukon, NWT and Nunavut corporations register separately, and Quebec GST and QST run through Revenu Québec. An unincorporated business only needs a BN when it needs a program account (GST/HST at $30,000 of taxable sales in a quarter or four consecutive quarters, or payroll on hiring). Verified at canada.ca, September 2026.
- [How to Open a Business Bank Account in Canada Online](https://www.ledgerlogic.ca/blog/how-to-open-a-business-bank-account-in-canada-online): Register or incorporate first, then apply with articles of incorporation (or the business name registration for a sole proprietorship), government photo ID for every owner at 25% or more and every signer, and the CRA business number if one exists (a sole proprietor only needs one for GST/HST, payroll or import accounts). Fully online with no branch visit: Venn ($0 per month, CDIC-eligible via Bank of Montreal, usually open within 24 hours, not in Quebec), Airwallex ($0, Revenu Quebec licence 14460, 1 to 3 business days), Loop ($0) and Wise Business (55 CAD one-time). RBC issues an account number online in under 15 minutes for sole proprietors and single-owner corporations but requires a branch visit to activate ($6 Digital Choice, $7 Flex Choice, $100 Ultimate waived above $75,000); TD, BMO, Scotiabank and CIBC work by branch appointment. Verified at each provider and canada.ca, September 2026.
- [Can a Non-Resident Open a Business Bank Account in Canada?](https://www.ledgerlogic.ca/blog/opening-a-canadian-business-bank-account-remotely-as-a-non-resident): Yes, but every big bank requires a business registered in Canada and original government photo ID for each signing officer and 25% owner; TD has no online opening, Scotiabank sends non-residents to a branch representative, RBC opens online only for single-owner businesses run by a permanent resident, CIBC opens online for all business types. What can be done remotely: incorporate in Ontario, Alberta or BC (no resident-director rule), get the CRA business number, and open an Airwallex CAD Global Account in the company's name (local account number and branch code, no fees, FX 0.5%, FINTRAC MSB, not a bank, no CDIC) or a Wise Business account; a foreign company with no Canadian corporation can use Airwallex directly. Bank-by-bank table verified Sep 2026. Written by a Canadian CPA.
- [Business Bill Pay Canada](https://www.ledgerlogic.ca/blog/business-bill-pay-canada): CPA comparison of bill pay for Canadian businesses. Venn consolidates the most: accounts payable with two-way Xero/QuickBooks sync inside $0 CDIC-eligible CAD/USD/GBP/EUR accounts ($2 per outgoing EFT on the free plan, free from the $40 Plus plan) with 1% cashback cards, capped by plan (multi-step approvals need the $100 Pro plan; not available in Quebec). Float has the strongest standalone bill pay (EFT and ACH in CAD or USD at no fee, sent in 1 to 2 business days from the Float balance, wires $20, AI invoice inbox, serves Quebec) and now also offers CAD and USD business accounts held in trust at Scotiabank with CDIC cover up to $100,000 combined, though with no pre-authorized debits or cheques they cannot replace the primary bank account. Ramp bill pay works in Canada with three gates per its own docs: a connected accounting system is required, Quebec registrations are excluded, and funding must be a CAD account. Plooto is payables-only, from about $32/month plus per-payment fees ($0.50 domestic EFT, $10-19 international), and collects receivables by pre-authorized debit (Venn now also collects invoices by PAD, at 1% capped at $5 a payment).
- [Corporate Cards for Quebec Businesses](https://www.ledgerlogic.ca/blog/corporate-cards-quebec-businesses): Most spend management platforms do not serve Quebec-incorporated businesses: Ramp excludes Quebec and the territories per its own support documentation, and Venn is not available in Quebec. The platform that works is Float: Canadian-built, serves Quebec corporations and registered sole proprietorships (NEQ + business number), with corporate cards, spend controls, receipt capture, bill pay, QST-aware tax coding, and interest on idle balances (2.5% on CAD and 2.75% on USD, variable), with no personal guarantee. Banks and Desjardins issue cards without the spend-management layer.
- [Best Business Bank Account for Sole Proprietors in Canada](https://www.ledgerlogic.ca/blog/sole-proprietor-business-bank-account-canada): Yes, sole proprietors can open business bank accounts in Canada. Best for most is Venn: $0 monthly, interest on CAD and USD balances, 0.45% FX on the free plan, open to registered sole proprietorships with a business number and name registration document (the MBL in Ontario); the Venn signup bonus is for registered corporations only, so a sole proprietor gets the account without it. Float also accepts registered sole props and serves Quebec, which Venn does not, and leads for card-heavy spending. A Big 5 account is only needed for cash or cheque deposits. GST/HST registration becomes mandatory past $30,000 of revenue.
- [RBC PayEdge vs Ramp for Canadian Businesses](https://www.ledgerlogic.ca/blog/ramp-vs-rbc-payedge-canada): RBC PayEdge is an accounts-payable and payments platform open to any Canadian business (no RBC account needed): bills from QuickBooks Online, Xero or Sage, approval rules, suppliers paid by EFT, Interac e-Transfer, wire, cheque, USD cross-border ACH or EUR payment, funded from any Canadian bank or credit union account, a Visa or Mastercard credit card (2.3% service fee) or the CAD and USD Virtual Wallet each profile gets; plans are $0 Pay as You Go ($1 EFT, $2.50 Interac, $25 cheque, $15 Canada/US wire, $20 international wire, $9.99 USD ACH or EUR), Premium $89.95 (up to 200 payments, $2.50 cheques, $1.50 Interac) and Edge Plus $219.95 (up to 500 payments, USD ACH and EUR $2.50); it issues no cards (virtual card payments only for RBC commercial cardholders) and holds no funds. Ramp Canada is a spend platform: free unlimited CAD and USD Visa cards (Peoples Trust) with 1% fixed cashback, bill pay by CAD EFT at no fee that typically clears in 2 to 3 business days, USD, EUR and GBP vendors paid from the CAD bank account with conversion at payment, QuickBooks Online and Xero sync, Ramp Plus CA$15 per user per month billed annually plus a platform fee (NetSuite and Sage Intacct); eligibility is a corporation, incorporated partnership or not-for-profit with CA$25,000 across connected accounts, not Quebec or the territories (Yukon, NWT, Nunavut), no personal guarantee; no cheques, Interac or Treasury in Canada; US$500 after US$1,000 of card spend through LedgerLogic's link. PayEdge alternatives: Ramp (cards plus bill pay), Plooto (payables only, Grow from $32 a month plus $0.50 per domestic EFT, $10 cross-border, 2.9% pay by card) and Float (free EFT and ACH bill pay on every plan, sent in 1 to 2 business days from the Float balance). PayEdge for cheque, Interac or card-funded payables and for Quebec; Ramp for cards, controls and payables in one system. Verified at rbcroyalbank.com, ramp.com, support.ramp.com, plooto.com and floatfinancial.com, September 18, 2026 (Float bill pay timing re-read September 25, 2026).
- [Ramp vs Venn for Canadian Businesses](https://www.ledgerlogic.ca/blog/ramp-vs-venn-canada): Different jobs. Venn is the bank account ($0 per month, CAD, USD, GBP and EUR, US-domiciled USD account for ACH, 0.45% FX, 2% interest, CDIC eligibility via Bank of Montreal, a charge card paying 1% cashback on up to $5,000 of card spend a month on the free plan, registered sole proprietors accepted, not in Quebec). Ramp is the spend platform (free CAD and USD Visa cards issued by Peoples Trust, 1% cashback fixed and uncapped, bill pay by CAD EFT, accounting automation for GST/HST/PST/QST, Ramp Plus CA$15 per user; corporations only with a CA$25,000 linked balance; not Quebec or the territories; no personal guarantee; US$500 after US$1,000 of spend through our link). Ramp holds no deposits, so many businesses run Venn underneath Ramp. Verified at ramp.com, support.ramp.com and venn.ca, September 2026.
- [Airwallex vs Venn vs Loop for Canadian Businesses](https://www.ledgerlogic.ca/blog/airwallex-vs-venn-vs-loop-canada): Three $0 multi-currency business accounts, one job each. Venn is the operating account for an incorporated business or registered sole proprietor outside Quebec: 2% interest on CAD and USD, balances at Bank of Montreal with CDIC eligibility, 0.45% FX on the free plan (0.35% at $40, 0.25% at $100), $2 local transfers on Essentials and free on paid plans, free Interac e-Transfers, a charge card paying 1% cashback on up to $5,000 of card spend a month on the free plan, up to $500 for registered corporations through our link. Airwallex is the pick in Quebec (Revenu Québec MSB licence 14460) or for collecting in 20+ currencies: $0 Explore plan, 0.5% FX on major currencies and 1% on others, free domestic transfers, SWIFT $20 to $35, cards with zero international fees and up to 1% rebate on CAD spend; not a bank, no CDIC, no interest published. Loop is the pick for cheaper conversion on its paid plans or for a credit card (its card, like Venn's, spends a held USD, EUR or GBP balance at 0% FX): Basic $0 at 0.47% FX, Plus $79 at 0.27%, Power $299 at 0.12%, free wires and EFTs, points rather than cash, CAD deposits at CDIC members and USD at FDIC institutions, no interest published, no offer. Verified at airwallex.com/ca, venn.ca and bankonloop.com on 6 September 2026; Venn rechecked 25 September 2026.
- [Wagepoint vs QuickBooks Payroll for Canadian Businesses](https://www.ledgerlogic.ca/blog/wagepoint-vs-quickbooks-payroll-canada): Wagepoint is $20 a month plus $4 per employee or contractor for one pay run a month (Solo) or $40 plus $6 for unlimited runs, in CAD, with CPP, EI and income tax calculated, source deductions remitted to the CRA, T4, T4A, RL-1 and ROE filed, a 14-day free test run, direct sync to Xero, QuickBooks Online and FreshBooks, and a $50 gift card after the first payroll through our referral link; Canada-only, best at 1 to 100 employees. QuickBooks Payroll is sold bundled with QuickBooks Online: Core with EasyStart $60 a month plus $5 per employee, Core with Essentials $100 plus $5, Premium with Plus $165 plus $8 (next-day deposit, time tracking, scheduling), 90% off the base fee for 6 months when bought through Buy Now, 30-day trial, remits to the CRA and Revenu Québec and files T4 and RL-1; it works only inside QuickBooks Online and is not part of our QuickBooks partner offer. Five employees paid biweekly: Wagepoint $70 a month, QuickBooks Payroll Core with EasyStart $85 including the accounting plan. Pick QuickBooks Payroll if the books already live in QuickBooks Online and you never plan to leave; pick Wagepoint on Xero or FreshBooks, or if you want payroll that survives a change of accounting software. Verified at wagepoint.com and quickbooks.intuit.com/ca on 6 September 2026.
- [Loop Review for Canadian Businesses](https://www.ledgerlogic.ca/blog/loop-banking-and-credit-card-review-for-canadian-businesses-and-startups): Loop (Loop Financial Inc., Toronto, FINTRAC-registered, SOC 2 Type II, not a bank) sells a multi-currency account and the Loop Global Visa issued by Equitable Bank, which charges 0% FX on purchases in CAD, USD, EUR and GBP by settling from the matching currency balance; every plan includes free USD, EUR and GBP accounts, the USD account at Lincoln Savings Bank (FDIC). Plans: Basic $0 with 0.47% conversion, 2 physical and 20 virtual cards, bill pay 0.5% + $1 per invoice; Loop Plus $79 ($71 annual) at 0.27%; Loop Power $299 ($250 annual) at 0.12%. No interest on balances; eligible CAD deposits held in trust at CDIC member institutions and protected up to $100,000 per depositor, per insurance category (institution not named); Quebec availability not stated; Xero and QuickBooks by bank feed. Best for a credit card on USD, EUR or GBP spend or for high-volume conversion on its paid plans (Venn's card also spends a held USD, EUR or GBP balance at 0% FX); Venn ($0, 2% interest, CDIC-eligible via Bank of Montreal) is the better CAD operating account. Verified at bankonloop.com, September 2026.
- [Venn vs Loop for Canadian Startups](https://www.ledgerlogic.ca/blog/loop-banking-vs-vault-banking-the-best-option-for-canadian-startups): Venn (formerly Vault, rebranded February 2025) is the better operating account for most Canadian startups outside Quebec: $0 per month, CAD, USD, GBP and EUR, a US-domiciled USD account for ACH, FX at 0.45% on the free plan (0.25% on the $100 Pro plan), 2% interest on CAD and USD, a Mastercard charge card with 1% cashback (on the first $5,000 of monthly spend on the free plan, uncapped on Pro) and no personal guarantee, balances at Bank of Montreal with CDIC eligibility, not available in Quebec. Loop is better for volume conversion on paid plans (0.47% free, 0.27% at $79, 0.12% at $299), and both cards spend a held USD, EUR or GBP balance at 0% FX; Loop advertises no interest and its USD accounts sit at Lincoln Savings Bank (FDIC). Neither is a bank. Verified September 2026; Venn rechecked 25 September 2026.
- [Airwallex vs Wise Business for Canada](https://www.ledgerlogic.ca/blog/airwallex-vs-wise-business-canada): Wise Business is cheaper for pure conversion (fees from 0.19%, 2.22% interest on CAD and 3.14% on USD, one-time 55 CAD setup, 6.11 USD to receive a USD wire); Airwallex costs nothing to open, converts at 0.5% on major currencies and 1% on others, and includes unlimited Visa cards with 0% foreign fees, bill pay and expense management on its free plan. Both hold Revenu Quebec MSB licences (Wise 902804, Airwallex 14460) and FINTRAC registrations; neither is a bank or CDIC-insured. Neither has a promo code. Verified at wise.com/ca and airwallex.com/ca, September 2026.
- [Best Multi-Currency Business Account in Canada](https://www.ledgerlogic.ca/blog/best-multi-currency-business-account-canada): The best multi-currency business account in Canada for most businesses outside Quebec is Venn ($0 per month, CAD, USD, GBP and EUR, a US-domiciled USD account for ACH, FX at 0.45% on the free plan, 2% interest on CAD and USD, balances at Bank of Montreal with CDIC eligibility, not available in Quebec). Airwallex is the pick for more than four currencies or overseas suppliers: $0 per month, local details in 20+ currencies, FX at 0.5% on major currencies, licensed in Quebec (Revenu Quebec MSB 14460), not a bank. Wise Business converts from 0.19% after a one-time 55 CAD setup and pays 2.22% on CAD and 3.14% on USD. Loop is 0.47% FX on its free plan with 0% FX on card purchases in CAD, USD, EUR and GBP. A bank USD account (RBC: $9 USD per month, waived above $2,500) still converts at about 2.5%. Converting US$10,000 a month costs about US$3,000 a year at a bank versus US$230 to US$600 at a fintech. Verified at each provider's pricing page, September 2026.
- [Tax Benefits of Incorporating in Canada](https://www.ledgerlogic.ca/blog/tax-benefits-and-disadvantages-of-incorporating-in-canada): A Canadian-controlled private corporation pays about 11% (BC) to 11.2% (Ontario, since July 1, 2026) on its first $500,000 of active income vs personal rates up to ~53.5%, but only on retained profit: the benefit is mostly tax deferral. Permanent wins are the Lifetime Capital Gains Exemption (over $1.25 million, indexed from 2026) and salary/dividend flexibility. TOSI rules block most family income splitting, extra accounting runs $1,500-$3,500/yr, and the capital gains inclusion rate remains 50% (the proposed increase was cancelled March 2025). Rule of thumb: incorporate when you can retain $30,000-$40,000+ per year.
- [Cheapest Way to Incorporate in Canada](https://www.ledgerlogic.ca/blog/cheapest-way-to-incorporate-in-canada): The cheapest way to incorporate in Canada with any help is Venn: about $49 net federal after its $250 welcome credit, bank account opened in the same flow (Ontario businesses only, for now). Filing yourself costs $200 federal via Corporations Canada or $300 Ontario with zero help. Ownr costs about $124 net after its 15% link discount and $300 off with an RBC business account but includes the minute book and serves Ontario, BC, Alberta and Quebec. Lawyers ($1,000-$2,500) are for complex share structures.
- [Blog Index](https://www.ledgerlogic.ca/blog): 150+ articles on Canadian tax, cloud accounting, e-commerce bookkeeping, and accounting tool guides

## About
- Founded by Sebastien Prost, CPA
- Based in Nelson, British Columbia, serving all Canadian provinces
- Contact: info@ledgerlogic.ca | 1-833-533-4375
- Hours: Monday-Friday, 9:00 AM - 4:00 PM PT

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## More guides, quoted from each post's quick answer
- [E-commerce GST/HST Canada, CPA Guide for Online Sellers (2026)](https://www.ledgerlogic.ca/blog/ecommerce-gst-hst-canada): Yes, once your worldwide taxable sales pass $30,000 in a single calendar quarter or over four consecutive quarters, you must register and charge the rate of the customer's province: 5% GST in Alberta and the territories, 13% HST in Ontario, 14% in Nova Scotia, 15% in the other Atlantic provinces, and GST plus PST or QST in BC, Saskatchewan, Manitoba and Quebec, where the provincial tax has its own registration rules. Shopify calculates the tax but does not remit it for you; Amazon and Etsy collect and remit on marketplace sales under the 2021 marketplace rules, and you still report those sales on your own return. Verified at canada.ca, September 2026.
- [How Much Does Bookkeeping Cost in Canada?](https://www.ledgerlogic.ca/blog/average-hourly-rate-bookkeeping-services): Freelance bookkeepers in Canada charge $25 to $60 per hour, and certified or CPA-designated bookkeepers charge $60 to $100 or more, with rates varying by province and complexity. Outsourced monthly bookkeeping runs $300 to $2,000, with most small businesses landing between $400 and $800 per month. An in-house bookkeeper costs $45,000 or more in salary plus payroll taxes. Rates checked against 2026 Canadian pricing guides.
- [TD1 2026: How to Fill Out the TD1 Form and TD1BC](https://www.ledgerlogic.ca/blog/how-to-fill-out-td1-and-td1bc-forms): The TD1, Personal Tax Credits Return, is the CRA form that tells your employer how much income tax to deduct from each pay; the employer keeps it and never sends it to the CRA. For 2026 the federal basic personal amount is $16,452 (reduced above $181,440 of net income, down to $14,829 at $258,482 or more), the British Columbia amount on the TD1BC is $13,216, and the Quebec amount on Revenu Québec form TP-1015.3-V is $18,952. Fill out a new TD1 only when you start a job or your credits change; the provincial form is needed only if you claim more than the basic amount; if you file none, your employer withholds using the basic personal amount alone, and a second job's TD1 must show $0 on line 13. Employers enter the line 13 total in payroll, ask for a new form within 7 days of a change, keep the forms six years, and remit the tax withheld with CPP and EI by the 15th of the following month; Wagepoint calculates from the TD1 amounts and remits to the CRA and Revenu Québec automatically.
- [T3 vs T4 vs T4A vs T5 Slips: Canadian Tax Slip Guide (2026)](https://www.ledgerlogic.ca/blog/what-is-the-difference-between-t3-t4-t4a-and-t5-slips): A T4 reports employment income and the CPP, EI and tax withheld by an employer. A T4A reports other income paid by a business or plan: contractor fees, pensions, commissions, scholarships, RESP payments. A T5 reports investment income paid by a corporation or bank: dividends and interest. A T3 reports income allocated to you by a trust, including mutual funds and ETFs held in a non-registered account. T4, T4A and T5 slips are due by the last day of February; T3 slips are due 90 days after the trust's year-end, which is why they arrive last. Verified against CRA filing guidance, September 2026.
- [Is it Better to Pay Yourself a Salary or Dividends in Canada?](https://www.ledgerlogic.ca/blog/is-it-better-to-pay-yourself-a-salary-or-dividends-in-canada): For most Canadian owner-managers, a mix of salary and dividends works best. Salary is deductible to the corporation and builds RRSP room and CPP credits; dividends are simpler to pay with no payroll remittances but build no retirement room. The optimal split depends on your province, income level, and retirement goals, so model both scenarios before deciding.
- [Tax Write-Offs for Small Business in Canada (2026): The Deductions That Actually Reduce Your Bill](https://www.ledgerlogic.ca/blog/tax-write-offs-for-small-business-canada): Any reasonable expense incurred to earn business income: rent, salaries and the employer's CPP and EI, subcontractors, advertising, insurance, bank and interest charges, professional fees, software, supplies, business travel, the business share of vehicle and home office costs, and capital assets through capital cost allowance rather than in one year. The CRA limits a few: meals and entertainment at 50%, passenger vehicles capped at the CRA's prescribed capital cost and lease limits ($38,000 before tax for the capital cost in 2025), and home office claims cannot create a loss. Personal costs, clothing, fines and most gifts are out. Verified against CRA guidance, September 2026.
- [How Far Back Can the CRA Audit You? (2026 Guide)](https://www.ledgerlogic.ca/blog/how-far-back-can-cra-audit): Normally 3 years from the date on your notice of assessment for individuals and Canadian-controlled private corporations (4 years for other corporations), 6 years where the reassessment involves a transaction with a non-arm's-length non-resident or a loss carryback, and no limit at all where the CRA can show misrepresentation from neglect, carelessness or wilful default, or fraud. You must keep the records behind every return for six years from the end of the tax year they relate to, which is why the practical answer is six. Verified against the Income Tax Act and CRA guidance, September 2026.
- [Does CRA Audit Your Bank Account? What They Can See](https://www.ledgerlogic.ca/blog/does-cra-audit-your-bank-account): Not routinely, but it can. The CRA does not monitor Canadians' bank accounts day to day; it sees what is reported to it (T-slips, GST/HST returns, property sales, large international transfers reported by banks) and matches that against your return. During an audit it can require bank statements, and if you refuse it can go to the bank directly with a requirement for information. Unexplained deposits are the single most common audit adjustment for small businesses, which is why a separate business account with every deposit documented matters more than any other habit. Verified against CRA audit guidance, September 2026.
- [Chances of Getting Audited by CRA: Key Factors and Statistics](https://www.ledgerlogic.ca/blog/chances-of-getting-audited-by-cra): Low for an employee with only slip income, and materially higher for anyone who is self-employed, runs a small corporation, deals in cash, or claims expenses well above the norm for their industry. The CRA does not publish an audit rate per taxpayer; it selects files by risk score, matching what you report against T-slips, GST/HST returns, property records and industry benchmarks, and it also runs targeted reviews of sectors such as construction, restaurants and real estate. The way to lower your odds is boring: file on time, keep the books reconciled to the bank, keep a receipt behind every claim, and stay consistent year to year. Verified against CRA audit guidance, September 2026.
- [GST/HST Rates by Province (2026): All 13 + Nova Scotia Change](https://www.ledgerlogic.ca/blog/current-gst-hst-rate-canada-and-by-provinces): Canada's federal GST is 5% everywhere. Five provinces use a single HST: Ontario 13%, Nova Scotia 14% (cut from 15% on April 1, 2025), and New Brunswick, Newfoundland and Labrador and Prince Edward Island 15%. Four provinces charge GST plus a separate provincial tax: British Columbia 12% (5% + 7% PST), Manitoba 12% (5% + 7% RST), Saskatchewan 11% (5% + 6% PST) and Quebec 14.975% (5% + 9.975% QST). Alberta, Yukon, the Northwest Territories and Nunavut charge 5% GST only. The rate that applies is the customer's province for most services and shipped goods. Verified at canada.ca, September 2026.
- [How to Do Bookkeeping for a Jane App Clinic in Canada](https://www.ledgerlogic.ca/blog/jane-app-bookkeeping): Jane App handles scheduling, charting and patient billing, but it is not accounting software and has no direct Xero or QuickBooks integration. Clinic bookkeeping on Jane means a monthly routine: export Jane's revenue report, import it into Xero, reconcile insurance receivables against actual deposits, and apply the right GST/HST treatment (most core health services are exempt, but some clinic revenue is taxable). Done monthly, it takes under an hour; skipped, insurance receivables drift from reality fast.
- [What Services Do Accountants Provide to Small Businesses](https://www.ledgerlogic.ca/blog/what-services-do-accountants-provide-to-small-businesses): Bookkeeping and monthly close, GST/HST and payroll compliance, year-end financial statements (compilation engagements), T2 and T1 preparation, tax planning, budgeting and cash-flow forecasting, CRA correspondence and audit support, and advisory on structure and software. Written by a Canadian CPA.
- [Improving Cash Flow and Forecasting in Canadian Businesses](https://www.ledgerlogic.ca/blog/10-key-strategies-for-improving-cash-flow-and-forecasting-in-canadian-businesses): Ten practical levers: a rolling 13-week cash forecast, faster invoicing and online payment, deposit and retainer terms, expense timing, inventory discipline, a line of credit arranged before it is needed, GST/HST and payroll set aside as collected, and monthly variance review. Written by a Canadian CPA.
- [Employer Health Tax: Ontario and BC](https://www.ledgerlogic.ca/blog/employer-health-tax-eht-ontario-and-bc): Ontario EHT applies on payroll above the $1,000,000 exemption at rates from 0.98% to 1.95% depending on total payroll; BC EHT applies at 1.95% on payroll above $1,500,000 with a notch rate between $1,000,000 and $1,500,000. Covers registration, instalments, annual return deadlines and the associated-employer exemption sharing rule. Written by a Canadian CPA.
- [Canada-US Tax Treaty and Implications](https://www.ledgerlogic.ca/blog/canada-us-tax-treaty-and-implications): How the Canada-United States tax treaty prevents double taxation: residency tie-breakers, permanent establishment, reduced withholding on dividends, interest and royalties, the treatment of employment income and pensions, and the treaty-based return a US company files in Canada. Written by a Canadian CPA.
- [Canadian Withholding Tax for Non-Resident Companies and Shareholders](https://www.ledgerlogic.ca/blog/canadian-withholding-tax-for-non-resident-companies-and-their-shareholders): Canada withholds 25% Part XIII tax on dividends, rents, royalties, management fees, pensions and non-arm's-length interest paid to non-residents; treaties reduce it (Canada-US: dividends 15%, or 5% for a corporate shareholder with 10% or more of the votes; arm's-length interest exempt; royalties 10% with copyright and software exemptions). The Canadian payer withholds, remits by the 15th of the following month and files NR4 slips by March 31; NR301 to NR303 declare treaty eligibility; refunds go through NR7-R within two years; failure to withhold costs 10% (20% on a repeat). Regulation 105 withholds 15% on services performed in Canada, plus 9% in Quebec. Written by a Canadian CPA.
- [Ontario HST Exemptions List](https://www.ledgerlogic.ca/blog/ontario-hst-exemptions-list): Ontario charges 13% HST, but basic groceries, prescription drugs and most medical devices are zero-rated, residential rent, most health care and financial services are exempt, and Ontario's point-of-sale rebate removes the 8% provincial portion on children's clothing, footwear, car seats, diapers, books, newspapers and prepared food under $4, leaving 5% GST. Written by a Canadian CPA.
- [Corporate Tax Planning Strategies in Canada](https://www.ledgerlogic.ca/blog/corporate-tax-planning-strategies-in-canada): Strategies for Canadian private corporations: the capital dividend account for tax-free distribution of the untaxed half of capital gains, salary versus dividend mix, the small business deduction and its passive-income grind, income splitting within TOSI limits, holding-company structures, and timing of bonuses and purchases. Written by a Canadian CPA.
- [GST/HST on Remote Services](https://www.ledgerlogic.ca/blog/gst-hst-on-remote-services): Since July 1, 2021 non-resident vendors of digital products and services, distribution platform operators and short-term accommodation platforms must register under the simplified GST/HST regime once Canadian sales exceed $30,000; Canadian service providers charge GST/HST by the customer's province under the place-of-supply rules and generally zero-rate services to non-residents. Written by a Canadian CPA.
- [GST/HST Quick Method](https://www.ledgerlogic.ca/blog/how-to-save-money-with-the-gst-hst-quick-method): Businesses with annual taxable sales of $400,000 or less (including associates) can elect the quick method: charge the full GST/HST on invoices but remit a reduced percentage of tax-included sales instead of tracking input tax credits, with a 1% credit on the first $30,000 of sales each year. Best for service businesses with few taxable expenses; not available to accountants, lawyers and some other professions. Written by a Canadian CPA.
- [Tax Challenges for Dropshipping Businesses in Canada](https://www.ledgerlogic.ca/blog/top-tax-challenges-for-dropshipping-businesses-in-canada): GST/HST registration at $30,000 of sales, charging by the customer's province, import duties and GST at the border on goods shipped from abroad, marketplace rules where Amazon or Shopify collects tax, foreign-currency sales and platform fees in the books, and income tax on net margins. Written by a Canadian CPA.
- [Notice of Objection with the CRA](https://www.ledgerlogic.ca/blog/notice-of-objection-cra): To dispute a CRA assessment, file a notice of objection within 90 days of the notice date (individuals may also use one year after the return due date, whichever is later), online through My Account or My Business Account or on Form T400A; collection of the disputed income tax amount is generally paused while the objection is under review, and an unfavourable decision can be appealed to the Tax Court of Canada. Written by a Canadian CPA.
- [T1135 Foreign Income Verification Statement](https://www.ledgerlogic.ca/blog/t1135-reporting-requirements): Canadian residents, corporations, trusts and partnerships must file Form T1135 when the total cost of specified foreign property exceeded $100,000 CAD at any time in the year (foreign bank accounts, foreign stocks including those held in Canadian brokerages, foreign real estate other than personal-use property); the simplified method applies under $250,000. Due with the income tax return; the late-filing penalty is $25 a day to $2,500. Written by a Canadian CPA.
- [How to File an Ontario Annual Return](https://www.ledgerlogic.ca/blog/how-to-file-ontario-annual-return): Ontario corporations file the corporate annual return through the Ontario Business Registry within six months of their fiscal year-end (it is no longer filed with the T2 through the CRA since 2021); it confirms directors, officers and addresses, is separate from the tax return, and missed filings can lead to the corporation being cancelled. Written by a Canadian CPA.
- [Are Dividends Taxable in Canada](https://www.ledgerlogic.ca/blog/are-dividends-taxable-in-canada): Yes. Dividends from Canadian corporations are grossed up (38% for eligible dividends, 15% for non-eligible) and offset by the federal and provincial dividend tax credits, so the effective rate is below the rate on salary or interest; foreign dividends get no credit and are taxed as ordinary income. Owner-managers paying themselves from a CCPC usually receive non-eligible dividends. Written by a Canadian CPA.
- [Section 85 Rollover: Transferring Assets to a Corporation](https://www.ledgerlogic.ca/blog/transferring-personal-assets-from-proprietorship-to-a-corporation-in-canada-section-85-rollover): A Section 85 rollover lets a sole proprietor transfer business assets (goodwill, equipment, inventory, receivables) to a corporation at an elected amount between tax cost and fair market value, deferring the gain, provided the corporation issues shares and Form T2057 is filed by the earlier of the two parties' return due dates. Written by a Canadian CPA.
- [CRA 10-Year Limit](https://www.ledgerlogic.ca/blog/cra-10-year-limit): The CRA's collections limitation period is 10 years for income tax debts and 6 years for GST/HST and payroll source deductions, restarting when the debt is acknowledged or the CRA takes collection action; separately, taxpayer relief requests (penalty and interest cancellation, late elections, adjustments) can go back 10 calendar years. Written by a Canadian CPA.
- [How to Change Accountants in Canada](https://www.ledgerlogic.ca/blog/how-do-i-change-accountant): Pick the switch date at a year-end or a quarter, get your records and prior filings back (you own them), authorise the new accountant in CRA Represent a Client and revoke the old one, transfer accounting-software ownership, and have the new firm review the last filed year before it prepares the next. Written by a Canadian CPA.
- [Non-Resident Corporation in Canada: Complete Guide](https://www.ledgerlogic.ca/blog/non-resident-corporation-in-canada-the-complete-guide): A non-resident corporation (not incorporated in Canada after April 26, 1965, and managed from outside Canada) must file a T2 for any year it carried on business in Canada, had a taxable capital gain or disposed of taxable Canadian property, even when a treaty exempts the income (claimed on Schedule 91, with Schedule 97 on every non-resident T2). Same deadline as Canadian corporations: six months after year-end, balance due at two months; late filing costs the greater of $100 and $25 a day for up to 100 days. Federal rate 15% after abatement and reduction (38% statutory), plus the province (Ontario 11.5%, BC 12%); branch tax 25%, 5% for US corporations after a $500,000 exemption; Regulation 105 withholds 15% on services. A US LLC is a corporation for Canadian tax; its US-resident members get treaty benefits through Article IV(6), the LLC itself does not. GST/HST registration applies once taxable supplies in Canada pass $30,000. Written by a Canadian CPA.
- [Treaty-Based Return: Schedule 91 and 97](https://www.ledgerlogic.ca/blog/treaty-based-return-for-non-resident-corporations-operating-in-canada-schedule-91-and-97): Schedule 97 is filed by every non-resident corporation that files a T2 in Canada; Schedule 91 is added when the corporation claims a tax treaty exempts its Canadian business profits or a gain, which makes it a treaty-based return. A US or UK company that carried on business in Canada must file even if no tax is owed, within six months of its year-end, in Canadian dollars; the late-filing penalty is the greater of $100 and $25 a day for up to 100 days ($2,500), and the return is the only way to recover the 15% Regulation 105 withholding on Canadian service fees. Line-by-line guide to both schedules. Written by a Canadian CPA.
- [Canadian Subsidiary vs Branch: Branch Tax and Setup Guide](https://www.ledgerlogic.ca/blog/non-resident-corporation-doing-business-in-canada-canadian-subsidiary-corporation-vs-branch-tax): A Canadian subsidiary caps the foreign parent's liability and pays the combined corporate rate (26.5% in Ontario) with 5% treaty withholding on dividends to a US parent; a branch pays the same corporate rate plus 25% branch tax on profits not reinvested in Canada, cut to 5% for US corporations with the first $500,000 of cumulative earnings exempt. Over time both cost a US parent the same Canadian tax; the branch exemption is a one-time saving of about $25,000. Thin capitalization 1.5:1, T106 above $1 million, Schedule 97 for every non-resident filer. Written by a Canadian CPA.
- [IRAP Funding Requirements](https://www.ledgerlogic.ca/blog/irap-funding-requirements): NRC IRAP funds Canadian for-profit, incorporated SMEs with 500 or fewer full-time employees that are developing innovative technology, through non-repayable contributions toward salaries and contractor costs, assessed by an Industrial Technology Advisor rather than an open application; the guide covers eligibility, what costs qualify and how the advisor process works. Written by a Canadian CPA.
- [What Is a Compilation Engagement](https://www.ledgerlogic.ca/blog/what-is-a-compilation-engagement-and-why-do-you-need-one-canada): A compilation engagement (CSRS 4200 in Canada) is a CPA preparing financial statements from a client's records with a compilation report but no assurance; it is the level most lenders and the T2 filing need for a private corporation, cheaper than a review or audit, and requires the CPA to agree the basis of accounting with the client. Written by a Canadian CPA.
- [Taxation of Investment Income in a Canadian Corporation](https://www.ledgerlogic.ca/blog/taxation-of-investment-income-in-a-canadian-corporation): Passive income in a CCPC is taxed at a high initial rate with part refundable on paying dividends (the RDTOH mechanism), the non-taxable half of capital gains goes to the capital dividend account for tax-free distribution, and passive income above $50,000 grinds the small business deduction until it disappears at $150,000. Written by a Canadian CPA.
- [Personal Services Business Rules](https://www.ledgerlogic.ca/blog/navigating-personal-services-business-cra-regulations): A corporation whose incorporated employee would be an employee of the client but for the corporation is a personal services business: it loses the small business deduction, pays the full federal rate plus a 5% surtax, and can deduct little beyond salary paid to the worker. The guide covers the control, tools, risk and integration tests, how to avoid PSB status and what the CRA is targeting. Written by a Canadian CPA.
- [My Accountant Ghosted Me](https://www.ledgerlogic.ca/blog/my-accountant-ghosted-me): What to do when an accountant stops responding: document the requests, retrieve your records and CRA filings (you own them), check filing status in CRA My Account, meet deadlines yourself or with a new firm, revoke the old authorisation in Represent a Client, and complain to the provincial CPA body if work was paid for and not delivered. Written by a Canadian CPA.
- [Employee vs Contractor in Canada](https://www.ledgerlogic.ca/blog/employee-vs-contractor): The CRA decides worker status on control, ownership of tools, chance of profit and risk of loss, and integration, not on the contract label; misclassifying an employee as a contractor makes the payer liable for unremitted CPP, EI and tax plus penalties. Contractors invoice, charge GST/HST above $30,000, and get a T4A; employees get a T4 with source deductions. Written by a Canadian CPA.
- [How Income Splitting Works in Canada](https://www.ledgerlogic.ca/blog/how-does-income-splitting-work-in-canada): Legal income splitting after the TOSI rules: pension income splitting of up to 50% with a spouse, spousal RRSPs, prescribed-rate spousal loans, reasonable salaries to family members who work in the business, and dividends to family members who meet the excluded-business or excluded-shares tests; dividends that fail TOSI are taxed at the top rate. Written by a Canadian CPA.
- [Can You Get EI If You Are Self-Employed](https://www.ledgerlogic.ca/blog/can-you-get-ei-if-you-are-self-employed): Self-employed Canadians are not covered by regular EI but can opt into EI special benefits (maternity, parental, sickness, compassionate care, family caregiver) through Service Canada, pay premiums on their net self-employment income, and claim after 12 months of registration once they meet the minimum earnings threshold; opting out is only possible before a claim has been made. Written by a Canadian CPA.
- [CRA Audit Penalties](https://www.ledgerlogic.ca/blog/cra-audit-penalties): After an audit the CRA can assess tax and interest, a late-filing penalty of 5% plus 1% a month (doubled for repeat offenders), a repeated-failure-to-report-income penalty, and a gross negligence penalty of 50% of the understated tax; third-party civil penalties and criminal prosecution apply to evasion. Voluntary disclosure before contact can waive penalties. Written by a Canadian CPA.
- [Are Cash Gifts to Employees Taxable in Canada](https://www.ledgerlogic.ca/blog/are-cash-gifts-to-employees-taxable-in-canada): Cash and near-cash gifts to employees are always a taxable benefit reported on the T4 (a gift card restricted to a specific retailer and not convertible to cash is treated as non-cash under the CRA policy in force since 2022); non-cash gifts and awards for special occasions are tax-free up to a combined $500 a year under the CRA's policy, plus a separate $500 for a long-service award every five years, with employer-logo items of nominal value excluded. Written by a Canadian CPA.
- [Federal Small Business Tax Rate in Canada](https://www.ledgerlogic.ca/blog/small-business-tax-rate-canada): The federal small business rate is 9% on the first $500,000 of a CCPC's active business income and 15% on the rest, before provincial tax; the guide covers T2 filing rules (every resident corporation files, even with no tax), the six-month filing and two- or three-month payment deadlines, e-filing, instalments, penalties and record keeping. Written by a Canadian CPA.