Free tools for Canadian small business owners
Calculators and lookups built from CRA’s current rules and rates. No sign-up, nothing to download. Each one lives inside the guide that explains the rule behind it.
Calculators
Figures are set to the current quarter (October to December 2026) and the 2026 payroll tables; each guide lists its sources.
Payroll deductions calculator (2026)
CPP, CPP2, EI, federal and Ontario tax for one pay, the employee’s net pay, and what the pay run costs you as the employer.
Run a payShareholder loan calculator
Your repayment deadline under the one-year rule, the tax if the balance is still owing on that date, and the deemed-interest benefit while it is outstanding.
Get your deadlineHST late-filing penalty calculator
The penalty and interest on a late GST/HST return — 1% plus 0.25% a month, interest at the current prescribed rate.
Estimate the penaltyPayroll remittance penalty calculator
What a late or short source-deduction remittance costs: 3% to 10% depending on how late, 20% for a knowing repeat.
Estimate the penaltyRemittance due-date lookup
Pick your remitter type and pay date; get the day CRA expects the money.
Look up a due dateROE due-date calculator
When a Record of Employment has to be issued, on ROE Web or paper, from the last day worked and the pay period.
Work out the ROE dateWhich slip do I issue?
T4, T4A, T5018 or nothing — answer three questions about who you paid and how.
Find the slipWhy the tools sit inside the guides
A number on its own is easy to misread. The shareholder loan calculator gives you a deadline; the guide around it explains the series-of-loans rule that can void the repayment. The payroll calculator gives you a net pay; the guide around it explains which remitter type you are and when the money is due. Read the page, then use the tool — or the other way round.
Every tool is an estimate, not advice for your situation. If you want the answer for your business rather than a formula, get started and a Canadian accountant will give it to you.
Rather not do the math at all?
Bookkeeping from $99 a month. On Core plans from $299 an accountant handles the HST, the payroll remittances, and the shareholder loan account for you.
See pricing