For Canadian Freelancers & Consultants
NorthOS is built for Canadian freelancers and independent contractors who need invoice tracking, GST/HST visibility, and clean T2125-ready records — without paying for software built for accountants.
Click through the dashboard built for Canadian freelancers and consultants, with sample numbers.
Get StartedWhen you have three clients and one goes 60 days overdue, everything gets uncertain — tax set-asides, what you can spend, whether you need to chase or write it off. NorthOS shows every unpaid invoice, aging balance, and expected payment in one place.
The GST/HST threshold sounds simple until you're juggling multiple clients, some paying irregularly and some in USD. Missing it means back-paying GST you never collected — out of your own pocket. NorthOS tracks your running total in real time so you know where you stand before CRA does.
Gross revenue is not take-home pay. Between income tax and GST/HST, a significant portion of every invoice belongs to CRA the moment it arrives. NorthOS shows you your safe-to-spend number after tax obligations are accounted for.
Phone, internet, software, home office, professional development — you probably qualify for more deductions than you realize. NorthOS categorizes every expense to the correct T2125 line as you go, so filing is a download, not a scramble.
Wave and QuickBooks are built for businesses with employees, inventory, and accountants on retainer. NorthOS is built for one person running a service business who wants to stay organized and file cleanly.
See every outstanding invoice, days overdue, and total amount owed at a glance. Know exactly who owes you and when to follow up — without a separate tool.
Your running revenue total updates every time you log income. NorthOS flags you when you're approaching $30,000 — before you cross it and before registration becomes mandatory.
Every time income comes in, NorthOS calculates your estimated income tax and GST/HST owing and shows you what's actually yours to spend. No more surprise tax bills.
Log expenses by photo, voice, or manual entry. Every transaction maps automatically to the correct T2125 line — home office, software, phone, professional fees — so your year-end workpapers are ready when you need them.
Invoice in USD, get paid in USD. NorthOS converts at CRA-accepted annual average rates and keeps the original foreign amount on record. No manual currency math.
Three steps to bookkeeping that actually makes sense.
8 onboarding questions, Virtual Service profile configured automatically. Takes 3 minutes.
Receipt photo, voice note, or manual entry. North AI categorizes everything to the right T2125 line and tracks every outstanding invoice.
Download T2125 workpapers, GST34 summary, and accountant export in one click. Your accountant will thank you.
When you freelance, every invoice that lands looks like income. But part of it already belongs to the CRA. Safe-to-Spend is the number NorthOS shows you after it sets that part aside.
As each invoice is marked paid, NorthOS reads the amount alongside your province and business profile and estimates three things automatically:
Those estimates move into a running set-aside total, and NorthOS shows you the remainder: your Safe-to-Spend balance. It is the amount you can draw against without borrowing from a future tax bill. The number updates as you invoice and as you log expenses, since deductible costs lower the tax you will eventually owe.
Your chequing balance is not your take-home pay. Safe-to-Spend turns gross revenue into a number you can actually plan around. For the full thinking behind it, read Your bank balance is lying to you.
"I had no idea I was approaching the GST threshold until NorthOS flagged it. Saved me from a very expensive mistake."
Independent Consultant, Ontario
"I used to spend the first week of April panicking about expenses I hadn't tracked. Now I just download the T2125 export and hand it to my accountant."
Freelance Designer, British Columbia
Works alongside your accountant — not instead of one.
For Ontario freelancers and consultants
