How we verify
Every figure carries a citation to the primary source it came from — a CRA page, a Revenu Québec table, ontario.ca — and the date we last read it. Not a general disclaimer: a specific link and a specific date, per number, the same standard you’d want on your own working papers.
Before anything ships, a second person re-derives the number by hand from the same sources and checks it against the calculator’s output, independent of whoever built the page. This month that pass caught a Quebec QPIP split error on the self-employed page before it shipped.
Every calculator ships with a plain Node test file in the open repository, asserting its output against figures worked out by hand from the cited sources — no framework, no fixtures. Run it yourself instead of taking our word for it. How we verify, in your vocabulary →
- Formulas last verified7–8 October 2026, dated on each calculator
- SourcesEvery Canadian jurisdiction, dated
- Tests55 suites, run from one command
- FoundersMeet the team
- Client referencesnone published yet — we would rather show none than invent one
The tools your clients ask about
Salary vs Dividends
ON · BC · AB · QC live — other provinces in progress.
Compares taking corporate income as salary or as dividends (non-eligible on income within the $500,000 small-business limit, eligible on up to 72% of the income above it) after corporate tax, personal tax, CPP and the dividend tax credit, for the province you pick.
Self-Employed Tax
What a sole proprietor keeps after both halves of CPP (the employer half as a deduction, the employee half as a credit), optional EI or mandatory QPIP in Quebec, and federal and provincial tax on the correct base — with an employee earning the same gross shown beside it so the difference is explained to the cent.
Take-Home Pay
Your net pay in every province and territory after federal and provincial income tax, CPP (including the second ceiling), EI — and QPP, QPIP and the abatement in Quebec, or the 2% payroll tax in the Northwest Territories and Nunavut — on CRA’s T4127 payroll formulas applied to the whole year. Shows the effect of an RRSP contribution and your average and marginal rates.
GST/HST
Add or remove sales tax for every province and territory, split into GST, PST/QST or HST, with the 2026 rates and their sources.
RRSP Refund
The refund an RRSP contribution produces in your province — tax with and without the deduction, using the same engine as the take-home calculator.
Tax Refund
Enter your T4 income, the tax your employer deducted and any RRSP contribution, and see whether you are owed a refund or have a balance to pay for the 2026 return, with the reasons the two numbers differ. Uses the same federal and provincial engine as every other page here.
Capital Gains
Tax on a sale at the 50% inclusion rate, computed as the extra tax the taxable gain adds to your income in your province.
Rates
$300 a year is less than one billable hour.
The 20% yearly re-verification is the same maintenance ratio Dinkytown/KJE has charged institutions for decades.
Questions
How do I know this is right?
Each figure carries a dated citation to the government page it came from, a second person re-derives it by hand before release, and a plain Node test file ships with the calculator so you can check it yourself instead of taking our word for it.
Is this another widget I have to maintain?
No. It's an embed or a link, not code you own or patch. When CRA publishes a new edition of the payroll formulas, which it does twice a year, effective 1 January and 1 July, the tool updates on our side and every firm using it gets the corrected figure at the same time.
Will it look like an ad on our site?
A white-label embed takes your firm's colours and name, not ours. There are no ads, no upsells and no third-party branding inside it — just the calculator.
What happens to a client's numbers when they are typed in?
Nothing. There's no analytics, no storage and no server call — the calculation runs in the browser and the figures never leave the page. See our privacy page for the full policy.
If a number is wrong and I relied on it, who is responsible?
Our calculators are provided as tools, not advice, and without warranty — the professional using one remains responsible for verifying a figure before relying on it for a client. We don't claim any CPA endorsement; we claim a sourced, dated, tested number you can check yourself.