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Holdings

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Free Business Tools & AI Bookkeeping for Canadian Businesses

Between GST, HST, PST, CRA filings, and whatever your province throws at you — running a Canadian business comes with a lot of financial overhead. Holdings gives you 35+ free business tools and AI-powered bookkeeping that handles the numbers so you don't have to.

No subscriptions for the tools. Works whether you're in Toronto, Vancouver, Calgary, or anywhere in between. Sign up and start using them right now.

Start Free → Explore All 35+ Tools →

Free Tools for Canadian Businesses

Invoice Generator

Create professional invoices in CAD with GST/HST/PST line items — send or download in seconds.

GST/HST Calculator

Calculate federal GST (5%) and provincial HST/PST for any province — get the right number every time.

Profit Margin Calculator

Model your margins in Canadian dollars before you set a price or sign a contract.

Business Name Generator

Generate business name ideas and check availability across provincial registries.

Cash Flow Forecast

See your cash position week by week — critical for surviving Canadian seasonal swings.

Receipt Scanner

Photograph a receipt and let AI pull the merchant, amount, tax breakdown, and expense category.

Expense Tracker

Track business expenses in CAD with categories that align with CRA T2 and T2125 reporting.

Startup Cost Calculator

Estimate incorporation, licensing, and setup costs for launching a Canadian business.

AI Bookkeeping That Works for Canadian Businesses

Holdings AI Bookkeeping ($12 CAD/mo) handles the complexity that makes Canadian accounting uniquely painful. It automatically categorises transactions, tracks GST and HST/PST by province, and keeps your books aligned with IFRS and ASPE standards. Whether you're a sole proprietor filing a T2125 or an incorporated business with T2 obligations, the AI adapts to your structure.

File season stops being a scramble — your books are always current.

Get Started — It's Free

Your free business tools are ready. Sign up in 60 seconds — no credit card, no commitment. When you need AI bookkeeping, it's just $12 CAD/mo.

Start Free → Explore All 35+ Tools →

Frequently Asked Questions

Is Holdings available in Canada? ▾
Yes. Holdings' free business tools and AI bookkeeping are fully available to Canadian businesses in every province and territory. Our banking products (checking accounts, debit cards, APY) are currently US-only through our banking partner i3 Bank, Member FDIC.
Do I need a US bank account? ▾
No. All 35+ free tools and AI bookkeeping work with your existing Canadian bank. No US account needed.
Does your bookkeeping handle GST/HST? ▾
Yes. Our AI bookkeeping tracks GST (5%) and automatically applies the correct HST or PST based on your province. It categorises expenses to align with CRA reporting requirements.
Is my financial data secure? ▾
Yes. Holdings is SOC 1 Type II certified, PCI DSS compliant, uses 256-bit AES encryption, and maintains a 99.99% uptime SLA. Your data is protected with bank-grade security.
How much does it cost? ▾
All 35+ business tools are free to use — no account required. AI bookkeeping is $12 CAD/mo. No hidden fees.