Canadian Self-Employed Money Tracker

Know exactly how much to set aside for tax. A Canadian income, expense and GST/HST tracker for the self-employed, built for Google Sheets with 10 colour-coded tabs.

SELF-EMPLOYED IN CANADA?

Nobody takes tax off your client payments, and any balance owing is due April 30 even though you file by June 15. If you avoid your numbers until tax season, this tracker is for you. Log your income and expenses as you go, and it tells you how much to move into savings every month.

WHAT'S INSIDE (10 TABS):

*Settings: choose your province or territory and your GST/HST rate fills in automatically

*Income: GST/HST charged and total received calculate for you

*Expenses: 20 colour-labelled categories matched to the lines on CRA Form T2125, with the 50% meals rule and business-use % built in

*Mileage log: track business trips and see your vehicle business-use %

*Monthly summary: profit, plus how much to set aside for income tax and GST/HST each month, with a chart

*GST/HST threshold check: see when you're getting close to the $30,000 small supplier limit

*Key dates: your CRA deadlines for the year, with days left and a Done/To do status

*Money routine checklist: monthly habits, receipt tips and a year-end list for your accountant

*Category totals: your yearly numbers by expense type, ready to hand to your accountant

PERFECT FOR:

*Freelancers, consultants, coaches and creatives

*Service businesses: planners, photographers, virtual assistants, trades and more

*Sole proprietors in their first few years of business

*Anyone registered, or not yet registered, for GST/HST

WHAT YOU GET:

*1 Excel spreadsheet (.xlsx), delivered as a zip file. Opens in Excel, or upload it to Google Sheets

*A quick-start guide inside the file

*Instant download, nothing is shipped

HOW IT WORKS:

*Download your file

*Open the spreadsheet and save it on your computer (can also be uploaded to Google Sheets)

*Fill in the Settings tab (5 minutes).

*Add your income and expenses as they happen. The tracker does the math.

GOOD TO KNOW:

*This is an organizing tool, not tax, legal or accounting advice. The tax set-aside uses a percentage you choose. Confirm your situation with the CRA or an accountant.

*Covers GST/HST. If you charge PST or QST, check your provincial guidelines.

*GST/HST rates and CRA dates were checked in October 2026.

*For your own business use only. Please do not resell or share the file.

*Because this is a digital download, [refunds are not available, but message me if something isn't working and I'll help].

WANT THE FREE VERSION FIRST?

Get my free "Do I Need to Charge GST?" tracker through the link in my Instagram bio @the.virtual.creative.co.

Ready to stop guessing at tax time? Add the tracker to your cart and know your numbers this month!