Tools & calculators · 28 free tools
Free tools for owners and individuals.
Free calculators and checklists for Ontario: cash flow, GST/HST, payroll cost, income tax, RRSP savings, year-end preparation, rental expenses and more. No sign-up needed.
A shelf of free calculators and checklists grouped by cash planning, GST/HST, payroll and income tax.
Visual labels: Cash and planning; GST/HST; Payroll; Income tax.Free · no sign-up
For business owners
Cash, GST/HST, payroll, structure and year-end.
Cash & planning
Cash runway calculator
How long your cash lasts at today’s monthly burn.
Open the tool Cash & planningBreak-even calculator
See the sales needed to cover fixed costs or a profit target.
Open the tool Cash & planningProfit margin and markup calculator
Compare gross margin with markup on the same unit economics.
Open the tool Cash & planningAccounts receivable days calculator
Estimate collection days from average receivables and credit sales.
Open the tool Cash & planningCurrent ratio and working capital calculator
Current ratio, quick ratio and working capital from your balance sheet.
Open the tool Cash & planningLoan payment calculator
Payment, total interest and a yearly amortization summary.
Open the toolGST/HST
HST registration checker
Six questions on the $30,000 small-supplier threshold.
Open the tool GST/HSTGST/HST calculator and reverse HST calculator (Ontario 13%)
Add HST to a price, or take it out of a tax-included total.
Open the tool GST/HSTHST quick method calculator
Quick method remittance against the regular method, Ontario rates.
Open the toolPayroll
Employee or contractor? Worker status checker
Seven questions on the factors the CRA weighs.
Open the tool PayrollEmployer payroll cost estimator
2026 CPP, CPP2 and EI for you and your employee.
Open the tool PayrollOntario bonus tax calculator 2026
What you keep of a bonus after tax, CPP and EI in 2026.
Open the tool PayrollOntario vacation pay calculator
Minimum 4% or 6% vacation pay and two or three weeks of time.
Open the toolStructure
Should I incorporate? estimator
Rough 2026 tax as a sole proprietor vs a corporation.
Open the tool StructureOntario corporate tax calculator 2026
Federal and Ontario tax for a CCPC, with the July 1, 2026 rate change.
Open the tool StructureBusiness name checker
A first-pass check on an Ontario business name, before a NUANS search.
Open the toolYear-end
Business expenses
Personal tax
Self-employed CPP calculator
2026 CPP and CPP2 on your net self-employment earnings.
Open the tool Personal taxSelf-employed tax calculator for Ontario 2026
2026 income tax and CPP on net self-employment income.
Open the tool Personal taxOntario dividend tax calculator 2026
Gross-up, credits and tax on 2026 eligible and non-eligible dividends.
Open the toolFree · no sign-up
For individuals and families
Income tax, savings, rental property and filing.
Personal tax
2026 Ontario income tax calculator
See what’s left after tax, CPP and EI.
Open the tool Personal taxPersonal tax checklist
What to gather for your T1, saved on your device.
Open the tool Personal taxRRSP tax savings calculator
Estimate the tax an RRSP deduction could save in 2026.
Open the tool Personal taxCapital gains calculator
Capital gain or loss, the taxable portion and an optional tax estimate.
Open the tool Personal taxOntario take-home pay calculator 2026
2026 net pay after tax, CPP and EI, by pay period.
Open the tool Personal taxHourly to salary calculator for Ontario
Hourly pay as annual, monthly and biweekly gross and take-home.
Open the toolResults are estimates, not advice.
Each tool uses simplified assumptions, so treat a result as a starting point for a conversation rather than a filed figure. For background reading, browse the topic hubs, the encyclopedia or the guides. Read how Sora’s pages are written and checked.
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