Free tax, payroll and cash tools for Ontario owners.
13 calculators, checks and generators built around the questions owners ask us most: what you keep, how to pay yourself, what a hire costs, how long the cash lasts. Each one explains its working in plain language and runs in your browser.
Closed to new clients until early 2027. Until then the tools and guides are free for everyone. Join the 2027 client list →
What you keep, how to pay yourself, whether to incorporate, and what a hire really costs.
2027 Ontario tax brackets & payroll rates
Every 2027 federal and Ontario bracket, credit, CPP and EI figure, marked official, proposed or projected.
Open the tool →02 · CalculatorOntario income tax calculator
Take-home pay, tax, CPP and EI on employment income, 2026 and 2027.
Open the tool →03 · CalculatorSalary vs dividend calculator
How to pay yourself from your corporation: take-home, tax and RRSP room.
Open the tool →04 · CalculatorShould I incorporate?
Sole proprietor vs corporation: tax paid this year and cash left to invest.
Open the tool →05 · CalculatorTrue cost of an employee
What a hire really costs per year and per productive hour, and the revenue it needs.
Open the tool →Runway, break-even, margins and the gap between profit and the bank balance.
Cash runway calculator
How many months your cash lasts at today's burn.
Open the tool →07 · CalculatorBreak-even calculator
The sales you need each month before you make a dollar.
Open the tool →08 · CalculatorCash conversion cycle calculator
How many days your cash is tied up between paying and getting paid.
Open the tool →09 · CalculatorMargin vs markup calculator
Convert between margin and markup, and price to a target margin.
Open the tool →10 · CalculatorProfit vs cash calculator
Why the bank balance doesn't match the profit you made.
Open the tool →Two honest self-checks and an invoice generator you can use today.
CRA audit risk check
Ten questions on the habits that draw a review, and what to fix first.
Open the tool →12 · Self-checkDo you need a fractional CFO or controller?
Ten questions that separate controller needs from CFO needs, with an honest answer either way.
Open the tool →13 · GeneratorFree invoice generator
Make a clean invoice with HST, save it on this device, and print or save as PDF.
Open the tool →Are these tools free?
Yes. Every tool is free, needs no account and runs in your browser. Nothing you type is sent anywhere unless you choose to download a PDF report.
Do the calculators use 2027 rates?
The income tax, salary vs dividend, incorporation and employee cost calculators let you switch between 2026 and 2027. 2027 EI and the CPP rate cut are official; brackets and the YMPE are projected until the CRA publishes them in mid-November 2026, and we update the same day.
How accurate are the results?
They are close estimates using published federal and Ontario rates, and each tool explains its working. They leave out personal credits and elections that depend on your situation, so check with a CPA before acting.
Who built these tools?
Bloemet, a cloud-based fractional CFO and controller practice with offices in Kitchener and Oakville, Ontario. Rates come from the CRA, the Canada Employment Insurance Commission, Ontario and enacted legislation, and the 2027 reference page lists the status and source of each one.
Estimates use 2026 and 2027 federal and Ontario rates for individuals and Canadian-controlled private corporations. 2027 figures marked projected are our calculation until the CRA publishes them, and are for illustration only. They leave out many personal credits, deductions and elections. Talk to a CPA before acting on compensation, incorporation or tax decisions.
Opening to new clients in early 2027.
We are not taking on clients right now. Join the list, tell us about your business, and a partner will read it before we open. List members hear first.
Opening to new clients early 2027Join the 2027 list