Real-time tax intelligence · Canada

Know what's actually yours — the moment you're paid.

LQID sets aside HST, income tax, and CPP in real time on every payment you receive. Your Safe‑to‑Spend is money you can truly keep — and you're tax‑ready every day, not just in April.

All-in-one accounting software for self-employed Canadians and small businesses up to 20 employees. Data stored in Canada.

Client paid invoice #0042just now
Payment received+$3,250
Set aside automaticallyreal-time
HST−$374
Income tax + CPP−$773
Safe to spendyours to keep
+$2,103
Already net of every tax — spend it without a second thought.
13 provinces & territories Real-time HST · income tax · CPP CRA-correct 2026 tax tables Data stored in Canada Patent-filed methodology
Real-time accounting

Real-time accounting software that knows your tax position.

Invoices, expenses, double-entry books, and the financial statements your accountant expects — all here. The difference: LQID counts HST, income tax, and CPP the moment money moves, so your Safe-to-Spend is always what's truly yours.

Real-time tax segregation

Every payment is split into HST, income tax, and CPP/CPP2 the moment it lands — across all 13 provinces and territories.

One Safe-to-Spend number

See the figure that's genuinely yours — after every reserve — updated live. No more guessing how much of a deposit is really the CRA's.

Tax-ready, every day

Open LQID any day and see exactly what you'd owe if the year ended today — plus a year-end packet your accountant can file from.

Get paid

Invoices & quotes that close the loop

Send branded invoices and estimates, convert accepted quotes to invoices in one click, and record payments that flow straight into your Safe-to-Spend.

  • Branded PDF invoices & quotes
  • Recurring invoices on autopilot
  • Payment recorded → tax reserved instantly
Invoice #0042
Design retainer — May$3,250.00
Status
Quote #0118 — acceptedConvert →
Stay organized

Snap a receipt — we do the rest

Photograph a receipt and LQID reads the vendor, total, and HST, files it to the right CRA category, and captures the input tax credit automatically.

  • Receipt & cheque OCR
  • 22 CRA-aligned categories
  • Mileage logbook & CCA depreciation
Receipt captured
Home Depot · Materials$214.70
HST input credit+$24.70
Mileage · 42 km business$30.24
Real books

Reports your accountant expects

Double-entry under the hood means proper financial statements — generated live from your data, formatted for a Canadian T2125.

  • P&L, Balance Sheet, Trial Balance, GL, Cash Flow
  • HST/GST34 return prep & export
  • Accountant & bookkeeper portal — read-only or edit, you choose
Profit & Loss · YTD
Revenue$148,200
Expenses−$41,860
Net income$106,340
Try it on your own numbers

What's actually yours on your next payment?

Enter a payment you received — we'll set aside HST, income tax, and CPP the way LQID does automatically, and show your real Safe to Spend.

$
$
HST set aside−$374
Income tax set aside−$447
CPP set aside−$326
Safe to spend
$2,103
≈ 65% of $3,250 — yours to keep

2026 estimate (federal + provincial tax + CPP). LQID does this on every payment, in real time.

Who it's for

One tax brain, tuned to how you earn.

Freelancers & creators

Irregular invoices, no payroll deductions, and a tax bill that sneaks up. LQID keeps every payment honest from day one.

Trades & contractors

Materials, mileage, sub-payments, and equipment that depreciates. Track it all and keep the CRA's share separate.

Solopreneurs

One person running the whole show. LQID is your back office — tax, books, and Safe-to-Spend — so you stay on the work that pays.

Small business (up to 20)

Bring employees into the flow for expenses and mileage while you keep full visibility — and your books stay year-end ready.

13
Provinces & territories, including Quebec QST
5
Taxes auto-reserved on every deposit
50
CCA depreciation classes built in
24/7
Tax-ready — not just one month a year
Why LQID

Forward-looking, not backward-looking.

Traditional bookkeeping

Most accounting tools
  • Categorizes last month for the accountant
  • Tax is an afterthought, calculated later
  • Your balance still includes the CRA's money
  • US tools retrofitted for Canada

LQID

Real-time · Canadian-first · forward-looking
  • Splits tax the moment money lands
  • Safe-to-Spend tells you what's truly yours
  • Full books & statements when you need them
  • Built for Canadian self-employed, end to end
Pricing

Simple, transparent pricing.

Solo
Everything you need to run and tax-segregate your business. One user.
$19
per month
  • Real-time tax segregation & Safe-to-Spend
  • Invoices, expenses, mileage, reports, HST
  • Accountant / bookkeeper portal & year-end packet
Start free
Solo early access: code 2026TAXSAFE locks in $9.99/mo for life — first 250 Solo sign-ups only.
Team
For small businesses and crews — everyone on one set of books.
$39
per month · up to 5 users
Up to 10 users$59/mo
Up to 15 users$79/mo
Up to 20 users$99/mo
  • Everything in Solo, for your whole team
  • Employees submit expenses & receipts from their phones
  • Roles, permissions & owner approval
Start free
Built to be trusted

Your data is always yours.

Export your invoices, expenses and full ledger anytime — in formats your accountant or any other software can read. No lock-in: your books are stored in Canada, and they’re always yours to take with you.

Canadian residency

Hosted in Canada with row-level security on every record.

PIPEDA-compliant

Privacy-first, with clear disclosure of every sub-processor.

CRA-correct

2026 federal, provincial, CPP/CPP2, and HST tables.

Patent-filed

A patent-filed methodology behind the segregation engine.

Keep what you earn.

Free to try, no card. The first 250 Solo sign-ups lock in $9.99/mo for life with code 2026TAXSAFE — Solo plan only.

Start free — no card needed

Add LQID to your Home Screen

Install LQID on your iPhone for one-tap access — no App Store needed.

1. Tap the Share button in Safari
2. Choose “Add to Home Screen”