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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 62 free tools, plus AI-powered bookkeeping ($12 CAD/mo) 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 62 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 62 Tools →

Frequently Asked Questions

Is Holdings available in Canada? ▾
Yes. Holdings' free business tools are fully available to Canadian businesses in every province and territory, and AI bookkeeping ($12 CAD/mo) works too. 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 62 free tools and the AI bookkeeping add-on 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 62 free tools are free to use — no signup needed. AI bookkeeping is $12 CAD/mo. No hidden fees.

Disclosures

Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly.

Deposits are insured up to $3 million total through a combination of i3 Bank, Member FDIC, and additional program banks. Each account is separately insured up to $250,000 per account holder per bank. Holdings accounts are subject to approval. Terms and conditions apply.