NewFor freelancers in CanadaSelf-employed?
Self-employed?
Money, made simple.
Ray is a money buddy for freelancers, contractors and side hustlers. Ask what to keep for tax, what you can spend this month, and how long your money will last.
How much do I keep for tax?Do I owe GST/HST?Can I pay myself this month?How long will my money last?What do I pay off first?
01 — Try it
Slow month? Ask before you spend.
Type any amount. Ray checks it against what's left this month.
Tap the number to type your own.
Yes! Easy. That fits your plan.
Left after: $615.17$68.35 / day after
02 — Who it's for
Made for people who pay themselves.
Freelancers
$1,240*
to set aside for tax from this month's invoices.
Paid this month$4,800
Keep for tax$1,240
GST/HST dueJan 31
Know what's yours to spend.
Clients pay when they pay. Ray tells you what to keep for tax and what's left for you.
Got paid $4,800. How much do I keep for tax?
About $1,240. Based on your province. The rest is yours to plan.
* Example numbers. Ray helps you plan. It doesn't file your taxes.
03 — Why Ray
Money help, minus the homework.
- %of each payment to keep for tax. Worked out for you.
- 0spreadsheets. Ray does the math from your bank.
- 1number to check. What's safe to spend this month.
- CRATax rules from official Canada pages, not guesses.