This page is an educational starting point. It helps you organise a question and see the facts that should be confirmed; it does not make the decision for you.
- 01
Separate the next 90 days of expected deposits from cash already available.
- 02
List business obligations with dates before treating a deposit as personal spending.
- 03
Use a reserve scenario you understand and confirm; do not let a generic rate become a tax answer.
- 04
Choose a review date and prepare the questions that need an accountant or CRA source.
Scope boundary
This guide does not determine tax payable, GST/HST registration, remittance, CPP/QPP, deductions, or filing obligations.
Start with the official source
Money Journal links to first-party Canadian information where a high-impact fact needs confirmation.
CRA business-income guidance