Tax set-aside calculator
How much to set aside each month — federal + provincial + CPP, by province, with 2026 instalment dates.
Should I register for GST/HST?
A 4-question wizard on the $30,000 small-supplier rule: register now, register voluntarily, or stay small.
Do I charge GST or HST?
Pick your client’s province + what you sell to get the exact rate and a copy-paste invoice line.
GST/HST Quick Method calculator
Quick Method vs Regular Method, side by side — the flat CRA remittance rate, the 1% credit, and your break-even.
Quarterly instalment estimator
See if you owe CRA instalments, the per-quarter amount, the 2026 dates — and export them to your calendar.
Self-employed CPP calculator
Total CPP you owe as self-employed — both halves, base CPP + CPP2 (the second ceiling most tools miss), with the verified 2026 figures.
Freelance rate calculator
The hourly rate you need to charge to actually take home your target — after tax, CPP, expenses, and unbillable hours.
Employee vs self-employed
Your real take-home on the same income, salaried vs self-employed — income tax, CPP both halves, and EI, by province.
Self-employed EI opt-in calculator
Is opting in to EI worth it? Your 2026 premium against the maternity, parental, sickness, and caregiving benefits you could claim.
Home office expense calculator
Your business-use-of-home deduction (T2125) — area × shared hours, renters vs owners, with the net-income cap and carryforward most calculators miss.
Business vehicle expense calculator
The car costs you can deduct (T2125) — business km ÷ total km, owners vs lessees, with the 2026 $350/month interest and $1,100/month lease caps built in.
Capital cost allowance (CCA) calculator
Depreciate a business asset the CRA way — pick the class, see the year-by-year declining-balance schedule, with the Accelerated Investment Incentive or half-year rule.
CRA late-filing penalty calculator
What filing or paying late really costs — the 5% + 1%/month penalty and daily-compounded interest at the 2026 prescribed rate. Calm, not scary.
The Money Date deck
28 warm, shame-free prompts for the money conversation couples keep avoiding. No login, nothing stored.
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Self-employed taxes in Canada — the 2026 guide
New to this, or want the whole map? The calm, complete guide that ties every tool above together — set-aside, CPP, GST/HST, instalments, and deadlines.
These tools do it once. VRITTI does it every day.
The app tracks your set-aside as it grows, flags your instalment dates, and keeps your books calm — so tax time is never a surprise.
Get early access — it's free