Plain-English guides on accounting, bookkeeping, tax, HST, and payroll for Toronto small businesses. Real 2026 numbers. Zero jargon.
What an accountant actually costs in Toronto, the difference between a bookkeeper and a CPA, and the 7 questions to ask before you hire anyone.

How the CRA picks files, the net worth method most guides never mention, how far back it can reassess, and what the 2026 penalties actually cost.
The ten steps from closing the books to paying the balance: GIFI, which schedules apply, the 2026 Ontario rate, and the Ontario annual return you file separately.
Bookkeeping
Five Toronto firms publish what they charge. Their posted 2026 rates side by side, the methodology, and how to compare a quote that arrives without a price.
Tax Strategy
What salary really costs in CPP, what dividends cost you in RRSP room, and the Ontario dividend tax credit change landing January 1, 2027.
Bookkeeping
Hourly rates, monthly flat-rate packages, in-house salary, and DIY software compared, with the factors that move the price up or down.
Bookkeeping
What bookkeeping costs in Toronto in 2026, DIY vs. outsourced vs. AI-powered, and how to tell if your books are actually being done right.
Corporate Tax
Every Ontario corporation files a T2, even with zero revenue. Deadlines, the new 11.2% small business rate, and the planning moves that lower your bill.
HST
When the $30,000 threshold actually kicks in, how to file, what input tax credits you are leaving on the table, and the mistakes the CRA flags most.
Tax Strategy
The real tax math on incorporating in Ontario in 2026, what it costs, when it saves you money, and when it is honestly not worth it yet.
Deductions
Home office, vehicle, meals, software, salaries to family members. What you can deduct, what you cannot, and the records the CRA expects.
Payroll
Hiring your first employee? The 2026 CPP and EI numbers, remittance deadlines, WSIB, EHT, and how to not get penalized in year one.
Bookkeeping
Months or years behind on bookkeeping and filings? Here is exactly how catch-up works, what it costs, and how the CRA's Voluntary Disclosures Program helps.
Accounting
Costs, bookkeeper vs. CPA, red flags, and the 7 questions that separate a great accountant from an expensive filing service.
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