Practical, numbers-first guides to help Canadian freelancers price their work, understand taxes, and build sustainable businesses.
Most Canadian freelancers undercharge by 30–40%. This guide walks through the exact formula — covering CPP, EI, provincial taxes, non-billable time, and overhead — so you can set a rate that actually sustains your business.
Self-employed Canadians pay both halves of CPP — nearly 11.9% of net income up to $73,200. This guide breaks down CPP2, the deductible portion, the 2026 contribution limits, and how to factor CPP correctly into your freelance rate.
Hitting $30,000 in revenue triggers mandatory GST/HST registration. This guide covers the registration process, what to charge by province, Input Tax Credits, the Quick Method, and the four common mistakes freelancers make.
A realistic Canadian freelancer bills 4–6 hours per working day — not 8. This guide shows industry benchmarks by profession, explains the gap, and provides practical strategies to maximize billable time without burning out.
CRA's 4-factor test, a side-by-side financial comparison (CPP, benefits, vacation, overhead), when to incorporate, and how to calculate the contractor premium you need to charge to match your previous employee income.
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