Free Canadian decision tool

Independent Income System

Turn the next 90 days of variable income into a protected-cash routine, planning scenario, and useful next questions.

For eligible Canadian freelancers, contractors, and side-income earners with irregular deposits.

Start the tool Check fit first

Set up in about 10 to 15 minutes Your values stay on this device

Free client-side workspace

Make the next 90 days more visible.

Use only the amounts you are comfortable entering. They stay in this browser and are used for this planning scenario only.

No account
required

Set your scenario

Start with the facts that change the plan.

This is not tax preparation. Every reserve percentage is your own planning assumption to confirm.

Scope check

Province or territory How do you earn this income?

My work includes inventory, cross-border sales, rental activity, crypto business income, farming/fishing, or another complexity I need help classifying.

90-day cash picture

Business cash available todayCA$Expected client deposits in the next 90 daysCA$Planned business obligations in the next 90 daysCA$GST/HST money already held separately CA$

We do not determine whether you need to register, collect, or remit GST/HST. Enter only what you already treat as held separately.

Reserve and transfer routine I have a planning reserve rate I want to use or confirm.

Selected reserve rate %Reserve money already set asideCA$Monthly personal transfer you want to planCA$Your buffer target in monthsBuffer already availableCA$

What you leave with

A clear plan, not more financial noise.

Plan a tax-reserve scenario you choose and confirm
See protected cash, dates, obligations, and a personal-transfer cap
Create a local accountant-ready question summary

Read this before you rely on it

It is not for

Incorporated businesses
Quebec-resident calculation
Tax filing, GST/HST remittance, or tax-liability answers

If the tool is not a fit, we show the reason and a safer next resource. We do not force a product recommendation.

Sample resultIllustrative only

Your next action

Protect what this plan treats as tax and business cash.

See the assumption, the source state, and the next question to confirm before acting.

Calculation version shown · Sources beside results

Privacy by design

Your financial details are for the calculation, not our database.

This tool calculates in your browser. You can download a local copy or reset the workspace whenever you choose.

Read the privacy approach

Optional companion

The tool above is free. The workbook is the part you buy.

Use the workspace as long as you like without paying or creating an account. The companion spreadsheet is for people who want to keep a copy, work offline, and carry the plan forward month by month.

Companion workbook

Freelancer Reserve and Cash Map

CA$39one-time purchase

A spreadsheet you keep, for Excel or Google Sheets
Optional. The tool on this page is free and always will be
No subscription and no Money Journal account

The workbook is not on sale yet. The tool on this page is free to use right now.