Resources for Canadian Business Owners

Practical tools, trusted links, and easy-to-use calculators — all in one place to help you manage taxes, compliance, and financial planning with greater clarity.

Resources You Can Rely On

Everything you need in one place: calculators, checklists, forms, and essential government links.

CRA Tools & Online Services

Federal tax accounts, registrations, and online services

Access essential CRA portals including My Account, My Business Account, BN registration tools, GST/HST services, payroll deduction calculators, and other commonly used federal links.

Ontario Business Resources

Provincial registrations, compliance tools, and employer programs

Find the Ontario Business Registry, WSIB employer services, EHT calculators, business name registration, and links to provincial tax credits and employer resources.

Compliance & Filing Tools

Forms, employer portals, and government filing systems

Explore useful links for incorporation, ROE Web, payroll program accounts, federal forms, and other tools that support setup, compliance, and ongoing reporting requirements.

Financial Calculators

Interactive tools for planning, forecasting, and tax decisions

Use clear, reliable calculators to compare salary vs. dividend options, estimate marginal tax rates, plan RRSP contributions, project CPP benefits, and explore tax-efficient strategies.

Forms & Downloads

Practical checklists, templates, and planning guides

Download year-end checklists, new-business setup guides, tax worksheets, planning templates, and other resources created for Canadian business owners.

Client Portal Login

Secure access for new and existing clients

Log in to your private portal to upload documents, view files, send messages, manage tasks, and access your personalized tax and accounting resources.

Get Guidance You Can Rely On

Whether you’re filing returns, running payroll, or planning the next stage of your business, we’re here to help you move forward with clarity and confidence.

CRA Tools & Accounts

CRA Accounts & Online Services

Access essential CRA portals including My Account, My Business Account, payroll tools, registrations, and commonly used federal services.

CRA My Account

Access personal tax information, benefits, RRSP/TFSA limits, notices, and payment history.

CRA My Business Account

Manage corporate tax, instalments, GST/HST, payroll accounts, and online filings.

Represent a Client

Authorize your accountant to access CRA accounts and securely share tax information.

Business Number (BN) Registration

Payroll Deductions (PDOC)

Calculate payroll tax, CPP, EI, and source deductions for employees.

GST/HST Netfile

File GST/HST returns online and submit payment information.

Need Help Navigating CRA Requirements?

Whether you’re setting up a new account, filing returns, or managing payroll, we provide clear guidance to help you stay compliant and avoid surprises.

Ontario Business Resources

Provincial registrations, employer tools, and business services

Reliable links for employer obligations, business registrations, tax remittances, and programs offered by the Province of Ontario.

Ontario Business Registry

File annual returns, update corporate information, register new businesses, and manage all provincial records online.

WSIB Employer Services

Employer Health Tax (EHT)

Determine your EHT obligations, calculate payroll tax, review exemptions, and file annual returns.

Business Name Registration

Search business names, register trade names, and manage Sole Proprietorship or Partnership filings.

Ontario Tax Credits & Incentives

Explore provincial credits for employers, hiring programs, apprenticeships, and small business investments.

Ontario Business e-Services

Access government services including filings, licenses, notices, and provincial online applications.

Support for Ontario Business Owners

Whether you’re managing payroll, filing EHT, or updating your corporate records, we offer guidance that keeps your compliance simple and stress-free.

Compliance & Filing Tools

Forms, employer portals, and government filing systems

Everything you need to stay compliant — from payroll remittances and ROE Web to federal forms, business account tools, and essential filing systems.

ROE Web

Issue Records of Employment, manage employee separations, and submit ROEs electronically through Service Canada.

Federal Incorporation & Filings

Access federal corporate filings, name searches, and online incorporation tools through Corporations Canada.

Payroll Remittance (CRA)

Submit payroll source deductions, review due dates, and make payments for CPP, EI, and income tax.

GST/HST Program Accounts

CRA Forms & Publications

Find federal tax forms including T2, T4, T2125, GST34, payroll guides, and technical publications.

ServiceOntario Business Services

Access business registrations, licenses, permits, and Ontario public-facing filings.

Get Support for Your Filing & Compliance Needs

From payroll and GST/HST to incorporation and ROE Web, we help streamline the administrative work so you can focus on running your business.

Forms & Downloads

Practical checklists, templates, and planning guides

Download simple, ready-to-use forms and worksheets designed to make tax season, year-end, and business setup more organized and far less stressful.

Corporate Year-End Checklist

A practical list of everything your accountant needs — receipts, statements, payroll info, and documentation for a smooth year-end.

New Business Setup Guide

Step-by-step guidance for incorporating, registering for accounts, choosing software, and setting up clean financial systems from day one.

Bookkeeping Documentation List

A simple reference for what to keep, how long to retain it, and what your bookkeeper needs monthly, quarterly, and annually.

Payroll Setup Form

Collects employee details for payroll onboarding: TD1 forms, banking info, pay structure, and required compliance fields.

Tax Organizer Worksheets

Personal tax worksheets that outline what to prepare each tax season, including income, deductions, and credits.

Financial Planning Templates

Editable templates for budgeting, cash flow planning, and forecasting to help business owners keep financial goals on track.

Make Your Paperwork Easier

If you’d like help organizing your documents or preparing for year-end, we offer practical support to simplify the entire process.

Financial Calculators

Easy-to-use tools to help you compare planning scenarios, estimate tax outcomes, and make confident financial decisions.

Choose a calculator below to explore different strategies — from salary vs. dividend planning to marginal tax estimates and retirement contributions.

Salary vs. Dividend Calculator Compare the after-tax cost of paying yourself through salary versus dividends from your corporation. Enter your business income and personal cash needs to see which strategy puts more money in your pocket for 2025.

Loading tax data…

Your Information

Corporate Business Income

Personal Cash Needed (after-tax)

Province / Territory

Corporate Tax Attributes

CDA Balance

Eligible RDTOH

Non-Eligible RDTOH

GRIP Balance

Prior Year Passive Income

Corporate Investment Income (current year)

Interest & Foreign Dividends

Capital Gains

Canadian Dividends Received

Salary Strategy

Gross salary paid —

Corporate tax savings —

Personal income tax —

Employee CPP —

Employer CPP (corp cost) —

Net personal cash —

Corporate cash retained —

RRSP room generated —

Total tax + CPP cost —

Dividend Strategy

Corporate tax on income —

Eligible dividends paid —

Non-eligible dividends paid —

Capital dividends (CDA) —

Personal dividend tax —

Net personal cash —

Corporate cash retained —

RRSP room generated —

Total tax cost —

Full Comparison

Item	Salary	Dividends	Advantage

Key Considerations

Disclaimer: This calculator provides estimates for illustrative purposes only, using 2025 federal and provincial tax rates. Results assume all corporate income is active business income eligible for the small business deduction. CPP calculations use 2025 rates and assume no prior CPP contributions. This does not constitute tax advice — consult a Chartered Professional Accountant for a strategy tailored to your situation.

DISCLAIMER: The tools and information on this website, including financial and tax calculators, are for general informational and illustrative purposes only and do not constitute accounting, tax, or legal advice. Results are estimates and may not reflect current laws or your circumstances. Before making any decision, consult Wise CPA, Professional Corporation or another qualified professional.

Calculator outputs are based on assumptions and public tax rates; they may not be current.
Use of the site does not create a client–accountant relationship.
Full details: Terms of Service · Privacy Policy

Incorporation Evaluator Compare your total tax cost as a sole proprietor versus operating through a corporation — either paying yourself by salary or dividends. See how much you could save annually and how much tax can be deferred by leaving profits inside a corporation.

Loading tax data…

Your Information

Business Income ? Your total self-employment or business income before any deductions or distributions.

Province / Territory

Personal Cash Needed (after-tax) ? The after-tax amount you need personally each year for living expenses. The calculator finds the gross salary or dividend required to deliver this amount.

Sole Proprietor

— total tax + CPP cost

Personal income tax—

Self-employed CPP—

Net personal cash—

Tax rate on income—

Tax deferred in corpN/A

RRSP room—

Baseline — no incorporation

Corp + Salary

— total tax + CPP cost

Corporate tax—

Personal income tax—

CPP (both halves)—

Net personal cash—

Tax deferred in corp—

RRSP room—

vs. Sole Proprietor

Corp + Dividends

— total tax + CPP cost

Corporate tax—

Personal dividend tax—

CPP contributions$0

Net personal cash—

Tax deferred in corp—

RRSP room$0 (no salary)

vs. Sole Proprietor

Total Tax & CPP Cost Compared

Sole Proprietor

—

Corp + Salary

—

Corp + Dividends

—

Full Comparison

Item	Sole Proprietor	Corp + Salary	Corp + Dividends	Lowest Cost

Key Factors to Consider

Disclaimer: This calculator provides estimates for illustrative purposes only, using 2025 federal and provincial tax rates. The sole proprietor scenario assumes all business income is subject to self-employment CPP on the first $73,300. The incorporated scenarios assume active business income eligible for the small business deduction. Incorporation involves legal and accounting costs not reflected here. This does not constitute tax advice — consult a Chartered Professional Accountant before making incorporation decisions.

Calculator outputs are based on assumptions and public tax rates; they may not be current.
Use of the site does not create a client–accountant relationship.
Full details: Terms of Service · Privacy Policy

Marginal Tax Rate Calculator Estimate your combined federal and provincial marginal tax rates for 2025. Select your province and income type, then enter your taxable income to see how each additional dollar is taxed.

Loading tax data…

Province / Territory

Income Type

Taxable Income — $100,000

$0$125k$250k$375k$500k

Federal Marginal Rate — on next dollar earned

Provincial Marginal Rate — on next dollar earned

Combined Marginal Rate — federal + provincial

Marginal Rate Breakdown

Federal

—

Prov.

—

Combined

—

Tax Brackets — Ontario

Income Range	Federal	Provincial	Combined

Your bracket

Estimated Tax on $100,000

Federal income tax —

Provincial income tax —

Provincial surtax —

After-tax income —

Effective average rate —

Disclaimer: This calculator provides estimates for illustrative purposes only, using 2025 federal and provincial tax rates. It does not account for CPP/EI premiums, RRSP deductions, tax credits beyond the basic personal amount, or other deductions. Results should not be relied upon for tax planning — consult a Chartered Professional Accountant for advice specific to your situation.

Calculator outputs are based on assumptions and public tax rates; they may not be current.

Use of the site does not create a client–accountant relationship.

Full details: Terms of Service · Privacy Policy

RRSP Tax Savings — Wise CPA

RRSP Tax Savings Calculator Estimate the immediate tax refund generated by your RRSP contribution, compare up to three contribution amounts side by side, and see how those contributions could grow over time inside a tax-sheltered account.

Loading tax data…

Your Information

Province / Territory

Taxable Income ?Your total taxable income before the RRSP deduction. This determines your marginal tax rate and the value of each contribution.

Your Marginal Tax Rate

—

Combined Fed + Prov Update income to calculate

2025 Estimated Contribution Room ?Estimated at 18% of income to the 2025 CRA annual limit of $32,620. Your actual room from your Notice of Assessment may differ due to unused prior years, pension adjustments, and other factors.

— max $32,620

18% of income

Compare Up to Three Contribution Amounts

Amount 1

Amount 2

Amount 3 (max room)

Assumed Annual Return ?Used for the future value projection only. A balanced Canadian portfolio has historically returned 5–7% annually before fees.

Investment Horizon ?Years the contributions remain invested inside your RRSP before withdrawal.

Amount 1

— contribution

Tax refund—

After-tax cost—

Refund as % of contribution—

New taxable income—

Effective tax rate after—

Amount 2

— contribution

Tax refund—

After-tax cost—

Refund as % of contribution—

New taxable income—

Effective tax rate after—

Amount 3

— contribution

Tax refund—

After-tax cost—

Refund as % of contribution—

New taxable income—

Effective tax rate after—

Tax Refund vs. After-Tax Cost

Tax Refund (returned to you)

Your Net Outlay

Full Comparison

Item	Amount 1	Amount 2	Amount 3

Future Value Projection

Disclaimer: Calculations use 2025 federal and provincial tax rates including all surtaxes and the basic personal amount credit. The tax savings shown represent the actual reduction in tax owed when the RRSP deduction is applied against income — not simply marginal rate × contribution. Estimated contribution room is 18% of income to the 2025 annual limit of $32,620; your actual room from your CRA Notice of Assessment may differ due to unused prior years, pension adjustments, and other factors. Future value projections assume a constant annual return and do not account for inflation, withdrawal tax, or management fees. This is not tax advice — consult a Chartered Professional Accountant before making RRSP decisions.

Calculator outputs are based on assumptions and public tax rates; they may not be current.

Use of the site does not create a client–accountant relationship.

Full details: Terms of Service · Privacy Policy

Calculator outputs are based on assumptions and public tax rates; they may not be current.

Use of the site does not create a client–accountant relationship.

Full details: Terms of Service · Privacy Policy

Need Help Interpreting Your Results?

We can walk through your numbers, explain your options, and help you build a strategy that fits your business and personal goals.

Resources for Canadian Business Owners

Practical tools, trusted links, and easy-to-use calculators — all in one place to help you manage taxes, compliance, and financial planning with greater clarity.

Resources You Can Rely On

Everything you need in one place: calculators, checklists, forms, and essential government links.

Get Guidance You Can Rely On

CRA Tools & Accounts

CRA Accounts & Online Services

Need Help Navigating CRA Requirements?

Ontario Business Resources

Provincial registrations, employer tools, and business services

Support for Ontario Business Owners

Compliance & Filing Tools

Forms, employer portals, and government filing systems

Get Support for Your Filing & Compliance Needs

Forms & Downloads

Practical checklists, templates, and planning guides

Make Your Paperwork Easier

Financial Calculators

Easy-to-use tools to help you compare planning scenarios, estimate tax outcomes, and make confident financial decisions.

Need Help Interpreting Your Results?

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