● Real-time tax

Know what's actually yours — the second you get paid.

Your bank balance counts money you'll owe the CRA. LQID strips the HST, income tax, and CPP off every payment the instant it lands — so the number you see is money you actually keep.

Start freeSee how it works
Estimates only · verify with your accountant.
Payment received+$3,250
Client e-transfer · Ontario$3,250.00
The instant it lands, LQID splits it
Set aside — HST$374.00
Set aside — income tax$447.00
Set aside — CPP$326.00
Safe-to-Spend$2,103.00
How it works
Every dollar in, split the moment it arrives

Not at year-end. Not when you reconcile. The instant the money lands — so you never spend the CRA's share by accident.

STEP 01

Money lands

Record a payment, mark an invoice paid, or snap a cheque with your phone. Every dollar in runs through LQID's tax engine the moment it arrives — nothing to calculate, nothing to remember.

Every deposit, the instant it lands
Payment received · Ontario+$3,250.00
STEP 02

It's split in real time

LQID carves out the GST/HST you're holding for the CRA, plus an estimate of your income tax and CPP — using your province, your year-to-date income, and your expense ratio. Province-correct, every time.

HST + income tax + CPP, province-aware
HST$374.00
Income tax$447.00
CPP$326.00
STEP 03

You see Safe-to-Spend

One honest number: what's genuinely yours after the CRA's share. This is the part other tools don't do — they tell you what already happened. LQID tells you what your money actually is, before you spend it.

The number that's actually yours
Safe-to-Spend
$2,103
≈ 65% of $3,250 — yours to keep
STEP 04

Always know where you stand

Open LQID any day and see what you'd owe if the year ended today, plus your next quarterly installment. Forward-looking, every day — not a scramble in April.

Forward-looking, every day
Estimated owing · year-to-date$14,200
Set aside so far$14,200
Next installment · Sep 15$3,550

Forward-looking, not backward

Bookkeeping tells you what already happened. LQID tells you what your money actually is — right now, before you spend it.

Built for Canada, every province

HST/GST, federal & provincial income tax, and CPP/CPP2 across all 13 provinces and territories — including Quebec's QPP & QST — kept current with CRA rates.

Estimates, clearly labelled

LQID shows set-asides as estimates to guide you — always verify with your accountant before you file.

FAQ

Common questions

How does the real-time tax calculation work?

When money lands, LQID estimates the GST/HST you're holding for the CRA, plus your income tax and CPP, based on your province, year-to-date income, and expense ratio — then reserves it so your Safe-to-Spend reflects what's actually yours.

What is Safe-to-Spend?

It's the part of a payment that's genuinely yours after LQID sets aside the sales tax you owe the CRA and an estimate of your income tax and CPP. It's an estimate to guide you, not a filing.

Does it handle CPP and CPP2?

Yes — self-employed CPP, and CPP2 above the second earnings ceiling, are included in the set-aside. Quebec residents are handled with QPP instead of CPP.

Is this my tax return?

No. LQID's numbers are real-time estimates that keep you ready all year. Your accountant still files the return — LQID just makes year-end painless, with a clean T2125-ready packet.

Stop guessing what's yours

Free to start. Know what's actually yours from the very first payment.

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