Your money hits your account. We tell you what's actually yours.
LQID instantly separates your HST, income tax, CPP, and payroll obligations the moment you get paid. Built for solopreneurs and small businesses.
147 founding members ahead of you
The Problem
Your bank balance is lying to you
😰
The $12K Surprise
You earned $95K freelancing. You spent like you had $95K. CRA says you owe $14,200. That's not a tax problem — it's a visibility problem.
📊
Spreadsheet Fatigue
You built the spreadsheet. Updated it for three weeks. Then a big month hit and you stopped. Now you're guessing again.
🏦
One Balance, Two Owners
Your bank shows $23,000. But $7,400 of that belongs to CRA. You just can't see the line between theirs and yours.
How It Works
Four steps. Zero spreadsheets.
01
Get Paid
A client sends you $10,000. It lands in your LQID account.
02
Instant Stripe
LQID separates HST, income tax, CPP, and payroll costs in real time.
03
See What's Yours
Your Safe-to-Spend shows exactly what you can use. Spend it without guilt.
04
Earn While You Wait
Your tax reserves earn interest until CRA filing day.
Live Engine
Try it with your real numbers
After expenses already incurred this year
HST13.0%
$1,150.44
INCOME TAXeff. 22.4%
$1,498.21
CPP / CPP2$9,292.90/yr
$755.52
SAFE TO SPEND
$6,595.83
Your Safe-to-Spend
$6,595.83
YTD Tax Position (Projected Annual)
Taxable Income
$87,079.65
Income Tax
$18,427.92
CPP
$9,292.90
Quarterly
$6,930.21
Effective Rate
22.4%
Marginal Rate
29.6%
Interest
$2.84/mo
Rate: 1.0%
Feature Preview
More than a calculator
A11 + A12 · Expense Categorization
Snap a receipt. We categorize it into 20 CRA categories.
Click Scan Receipt to simulate capturing a receipt
Coming Soon
The LQID Card
Every purchase auto-categorized. HST input credits captured instantly. Your safe-to-spend updates in real time. One card that replaces your bookkeeper.