The debt spiral
After a strong first year, I owed CRA far more than I had set aside. The next year I tried to pay last year’s bill while keeping up with the new one. Penalties and interest piled up.
Founder’s Story
The problem wasn’t the work. It was the blind spots.
I started in the trades. The work was honest, but the tax side wasn’t clear.
The hard reset
When it hit $80,000, an injury ended my construction career. I negotiated a consumer proposal just to get back to zero.
“I needed a real‑time snapshot — not a report after the damage was done.”
Full story
The first year I finished strong and didn’t realize how fast taxes could snowball. The next year I tried to pay off the old bill while keeping up with the new one, all while raising a family. Penalties and interest kept stacking. NeverØwe is built for contractors, gig workers, and small business owners who want a real‑time snapshot — not surprises at year‑end.
The Mission
Help self‑employed Canadians avoid tax surprises with a clear payday snapshot: what you owe, what to set aside, and what’s safe to spend — plus clean records for your accountant.
The Values
Clarity over guesswork. Canada‑specific tax logic. Fast, accurate entry. Clean, traceable records accountants can trust.
The Path
Earn trust by promoting accuracy: clear forecast obligation, clean records, and exports your accountant can use.