CRA-ready books for Toronto small businesses. Catch-up bookkeeping, Ontario HST filing, payroll and month-end reporting on a fixed monthly fee.
Toronto and the Greater Toronto Area
Catch-up bookkeeping, HST/GST filing at Ontario's 13% rate, payroll and month-end financial reporting for small businesses across the GTA. Every account reconciled and your reporting pack delivered by the 15th, on a flat monthly fee you approve in writing before we open the ledger.
A 20-minute books review before anything is signed. Read-only access, no banking passwords, and the ledger stays in your name.
What the delay actually costs
Most Toronto business owners do not fall behind because they are careless. They fall behind because a folder of receipts loses to a paying client every single time. The trouble is that the Canada Revenue Agency prices the delay, and the meter runs whether or not anyone opens the envelope.
What we do
Small business bookkeeping in the GTA is rarely just data entry. It is the ledger, the HST account, the payroll account and the reporting your bank or your CPA will ask for, and those four have to agree with each other. Open any service to see what is included.
Reconciled books are the minimum. What changes decisions is a profit and loss statement that arrives while the month is still relevant, grouped the way you think about the business rather than the way software defaults it.
Included in every monthly plan. Ad hoc reporting at $75 an hour.
Ontario businesses charge 13% HST, and CRA expects the return whether or not there is a balance owing. We track the tax through the ledger all year, so filing is a review rather than a scramble.
Included in every monthly plan. Standalone filings from $150 per return.
Three CRA program accounts, GST/HST, payroll and corporate, all have to reconcile to the same set of books. When they do not, that is where reassessments start.
Correspondence outside your plan at $75 an hour, against a written estimate.
Payroll in Canada means CPP and EI calculated correctly, income tax withheld, everything remitted on time, and the whole year reconciling to the T4s in February. Regular remitters owe CRA by the 15th of the following month.
From $45 a month plus $9 per employee per pay run.
Six months behind, two years behind, or a bank login and a shoebox. We rebuild the ledger from statements, reconcile every account, then file the outstanding returns in the order CRA expects them.
From $295 per quarter of back-work, quoted after a file review.
Year-end is where sloppy bookkeeping turns into a professional-rate invoice. A clean handoff is a reconciled trial balance and working papers in the format your CPA actually wants.
Included in every monthly plan. Standalone year-end packages quoted on volume.
Build your plan
Price in this category is driven by volume, not by mystery. Move the controls and the plan updates, alongside what the same work costs at Toronto firm rates or with a bookkeeper on payroll.
Recommended plan
Growth
$649 per month, plus HST
140 transactions, 3 accounts and 2 employees on quarterly HST sits inside the Growth band.
Hourly comparison assumes $110 an hour, the midpoint of the published $75 to $150 Toronto firm range, against an estimated monthly workload. In-house figure is the midpoint of a $55,000 to $85,000 Toronto salary and benefits range. Both are benchmarks for comparison, not quotes.
Transparent pricing
Toronto is the most expensive bookkeeping market in the country. Published 2026 rate guides put local firms at roughly $75 to $150 an hour and freelance bookkeepers at $38 to $90, with monthly packages commonly landing between $300 and $800. Our plans sit inside that range and stay there.
Freelancers, consultants and sole proprietors running a single operating account.
$349/month + HST
Incorporated Toronto small businesses running payroll and quarterly HST.
$649/month + HST
Established GTA corporations with volume, staff and monthly HST obligations.
$1,150/month + HST
$75 an hour for clean-ups, software migrations, CRA correspondence and one-off analysis. Billed in 15-minute increments against a written estimate.
From $295 per quarter of back-work. Scoped after a file review, so the number does not move once you have approved it.
Quoted individually. Inventory, multi-entity, cross-border and foreign-currency work is priced on volume and complexity, never on guesswork.
All prices are in Canadian dollars and subject to 13% Ontario HST. Figures shown are indicative and are not an offer to contract: your quote is confirmed in writing after a file review. Plans run month to month with 30 days notice. Market rate ranges cited on this page are drawn from published 2026 Ontario and Toronto bookkeeping rate surveys and appear for comparison only.
How onboarding works
No lock-in contract, no implementation fee, and no request for your banking passwords. Read-only feeds and accountant-level access are all we need to do the work.
Send the form with a short description of the business. We look at where the ledger actually stands, what is outstanding with CRA, and how far behind the HST account has drifted. You get a straight answer on whether catch-up work is needed first.
One number for catch-up work and one for the monthly plan, each tied to the transaction count and headcount it is based on. If the volume changes, we tell you before the invoice does.
We connect to your QuickBooks Online, Xero or Wave file, set the chart of accounts up properly, clear the backlog, then close every month by the 15th with your reporting pack attached.
CRA tax compliance
Every date below is set by the Canada Revenue Agency, not by us. Tell the tool how your business files and it works out what is due next, and how long you have.
Dates are calculated from CRA's published filing and payment rules and from today's date in your browser. General guidance for Ontario businesses, not advice on your own situation.
Why owners switch
We work remotely with businesses throughout Toronto and the surrounding region, which means your bookkeeper is not limited to whoever happens to rent an office near you. The same Ontario HST and CRA expertise, without Financial District overhead priced into the invoice.
Sectors we see most often: trades and construction, professional services, health and wellness clinics, restaurants and cafes, e-commerce and retail, real estate, creative agencies, and independent contractors incorporating for the first time.
Before you ask
Published 2026 rate guides put Toronto firms at roughly $75 to $150 an hour and freelance bookkeepers at $38 to $90, with monthly flat-rate packages for small businesses commonly between $300 and $800. Our plans start at $349 a month for sole proprietors and run to $1,150 a month for corporations with payroll and monthly HST. Volume is the main driver: transaction count, the number of accounts to reconcile, payroll headcount, and whether inventory or multiple entities are involved. For comparison, a full-time in-house bookkeeper in Toronto costs roughly $55,000 to $85,000 a year in salary and benefits.
You stop being a small supplier once your worldwide taxable revenue passes $30,000, measured either in a single calendar quarter or across four consecutive quarters. Cross it inside one quarter and your registration takes effect no later than the day of the sale that took you over, and you generally have 29 days to register. Cross it cumulatively and you stop being a small supplier at the end of the month following that quarter. Ontario's rate is 13% HST. Registering voluntarily before you reach the threshold is often worth it, because it lets you claim input tax credits on startup costs.
No, and it is far more common than people assume. Catch-up work is a defined project: we rebuild the ledger from bank and credit card statements, match whatever source documents exist, reconcile every account, then file the outstanding returns in chronological order so the CRA account balances line up. Where penalties and interest have accumulated, we prepare the supporting records your accountant needs for a Voluntary Disclosures Program application. Under the CRA policy in effect since October 2025, an unprompted disclosure can qualify for full penalty relief and 75% interest relief, while a prompted one can still reach full penalty relief and 25% interest relief. Catch-up is quoted separately from the monthly plan, from $295 per quarter of back-work.
No, and you should be wary of any bookkeeper who says otherwise. Bookkeeping and return preparation are not licensed public accounting in Ontario, and we do not provide audit, review or other assurance engagements. What we do is keep the books clean, file HST and payroll on schedule, and hand your CPA a year-end package that is already reconciled, which usually reduces what they bill at year-end. If you do not have an accountant yet, we work alongside whichever firm you choose.
Send it over. Most CRA letters about a GST/HST or payroll account are resolved with documentation you already have, submitted in the right format and inside the response window. We prepare the reconciliations and supporting records, and coordinate with your accountant where the matter moves into tax representation. Correspondence work outside your plan is billed at $75 an hour against a written estimate.
QuickBooks Online, Xero and Wave, in your own subscription under your own login, with us added as an accountant user. If you are on desktop software, spreadsheets or paper, migration is part of onboarding and is quoted upfront. We do not use a proprietary platform you cannot take with you, because a ledger you cannot export is a ledger you do not really own.
Read-only bank feeds and accountant-level software access only. We never ask for online banking passwords or signing authority on your accounts. Receipts and source documents go into encrypted cloud storage attached to the transactions they support, and records are retained to the CRA six-year standard, so a request for backup is a download rather than a search.
Plans run month to month with 30 days notice. If you leave, the file goes with you: it is your subscription and your data, and we hand over reconciled books, working papers and document archives rather than a partial export. Catch-up projects are quoted separately from the monthly plan, so bringing your books current does not commit you to ongoing service.
Start here
Send a short message and we will come back with a fixed quote for catch-up work and a monthly plan. If you are not sure what you need yet, describe the business and we will tell you what we would do first.
Three fields. That is the whole form.