FreelancerTax — Canadian self-employed tax math

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Verified Canadian self-employed tax math: SE tax, CPP, GST/HST, instalments, CRA deadlines. Free.

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Copy this into your MCP client config:

{
  "mcpServers": {
    "FreelancerTax — Canadian self-employed tax math": {
      "url": "https://freelancertax.ca/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (6)

• estimate_self_employed_tax

  Estimate a Canadian self-employed (sole proprietor) person's full tax bill: federal tax, provincial tax, CPP/QPP (incl. CPP2/QPP + QPIP for Quebec), total, after-tax income and effective rate. Fully verified provinces: ON, BC, AB, MB, SK, NS, NB, QC. Other provinces/territories return an honest federal+CPP-only partial estimate flagged supported:false.

  Parameters:

  • year (required) — integer — Tax year
  • province (required) — string — Two-letter province/territory code
  • net_self_employment_income (required) — number — Net self-employment income (after expenses), CAD

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• cpp_self_employed

  Compute self-employed CPP contributions for a given year: base + enhanced contributions, CPP2 (second ceiling), total payable, and the tax-deduction vs tax-credit split that goes on the T1 (Schedule 8). Quebec residents pay QPP instead — use estimate_self_employed_tax with province QC for QPP.

  Parameters:

  • year (required) — integer
  • net_self_employment_income (required) — number — Net self-employment income, CAD

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• gst_hst_registration_check

  Check whether a Canadian small business / freelancer must register for GST/HST under the $30,000 small-supplier tests (single-quarter test and rolling four-quarter test), with the exact mechanics of when to charge and the registration deadline. Set is_rideshare true for taxi/ride-share drivers (they must register from the first fare).

  Parameters:

  • quarterly_revenues (required) — array — Worldwide taxable revenue per calendar quarter, oldest first (up to 8 quarters), CAD
  • is_rideshare — boolean — Taxi or commercial ride-share driver

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• gst_quick_method_compare

  Compare the GST/HST Quick Method against the regular method for a Canadian small business: eligibility (revenue ceiling + excluded professions), remittance under each method, and which one keeps more money. Annual figures.

  Parameters:

  • province (required) — string — Two-letter province code of the permanent establishment (e.g. ON, BC, QC)
  • revenue (required) — number — Annual taxable revenue BEFORE tax, CAD
  • business_type — string — Free-text business type, e.g. 'services', 'consultant', 'retail goods', 'bookkeeper' (used for the excluded-professions test; goods vs services rate)
  • itc_eligible_expenses_incl_tax — number — Annual ITC-eligible operating expenses INCLUDING tax, CAD (for the regular-method comparison)

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• instalment_plan

  Determine whether a Canadian individual must pay quarterly income-tax instalments (the $3,000 / $1,800-Quebec net-tax-owing tests) and compute all three CRA payment options (no-calculation, prior-year, current-year) as quarterly schedules with a suggested no-interest choice. Per the CRA's instalment calculation chart, 'net tax owing' EXCLUDES CPP contributions and EI premiums payable — pass those separately as cpp_payable and they are added to the instalment amounts only (chart line 24), never to the threshold test.

  Parameters:

  • current_year_estimate (required) — number — Estimated NET TAX OWING for the CURRENT year, CAD — per the CRA calculation chart: income tax minus amounts withheld, EXCLUDING CPP/EI payable on self-employment income (pass those in cpp_payable, do NOT include them here)
  • prior_year_owing (required) — number — Net tax owing for the prior year, CAD (same chart basis: excludes CPP/EI payable)
  • second_prior_year_owing (required) — number — Net tax owing two years ago, CAD (same chart basis: excludes CPP/EI payable)
  • quebec — boolean — Quebec resident (lower federal threshold; amounts cover the FEDERAL side only — Revenu Québec runs a separate instalment system, form TP-1026)
  • cpp_payable — number — OPTIONAL: current-year CPP contributions and EI premiums payable on self-employment income, CAD. The CRA chart excludes this from the net-tax-owing threshold test but ADDS it to the instalment amounts (chart line 24). Ignored for Quebec residents — QPP/QPIP are billed by Revenu Québec, not the CRA.

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• get_tax_deadlines

  Upcoming CRA tax deadlines for Canadian freelancers / self-employed individuals (filing, payment, GST/HST, RRSP, quarterly instalments), each on its CRA effective date with the weekend next-business-day rule applied. Also available as a subscribable calendar feed.

  Parameters:

  • limit — integer — Max deadlines to return (default 10)

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

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