See your true take‑home
Each deposit is shown with a real‑time snapshot of what’s yours and your recommended set‑aside, so you can spend with confidence.
Built for Canadian self-employed
Own Your Paydays. Never Owe Again.
Track income → see your recommended set‑aside → hand clean records to your accountant
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Shield™ gives gig workers, contractors, and small crews real‑time forecast obligation and set‑aside targets.
Why NeverØwe exists
How it works
I built NeverØwe after owing almost $80,000 to the CRA as a self‑employed contractor — not because I wasn’t earning, but because I didn’t have a real‑time snapshot of my forecast obligation.
Shield exists to make sure that never happens again — to me, or to anyone like me.
Clear outcomes, every payday
NeverØwe turns each deposit into a real‑time snapshot you can trust — what to keep, your recommended set‑aside, and what to hand to your accountant.
Know what to set aside (instantly)
Rules calculate income tax (federal + provincial), CPP, and GST collected (recommended set‑aside). GST charged on invoices is not income.
Export clean records
Clean records your accountant can import with minimal cleanup.
Example
Example: One payday, clearly mapped
Simple numbers to show how a single deposit turns into a clear real‑time snapshot.
Incoming deposit: $2,800
Income tax (estimate, fed + BC)$420
CPP (estimate)$300
GST collected (5%)$140
Total recommended set‑aside$860
Available for you$1,940
ITCs are applied at filing time and may reduce the final GST amount payable.
Export snapshot
Structured line items with category tags, dates, and allocation history.
Always traceable. No manual cleanup.
Stop guessing, start with a real‑time snapshot
Wave / QuickBooks Backward‑looking reports after the fact.
Great for bookkeeping, but no real‑time set‑aside targets.
Spreadsheets Manual, error‑prone, and rarely kept up‑to‑date.
Time gets burned reconciling instead of staying ahead.
Annual accountant Reactive check‑ins, usually after the damage.
Strong for filing, but not for weekly cash flow decisions.
NeverØwe Real‑time forecast obligation + set‑aside targets + clean records.
You get a real‑time snapshot and clear targets with clean records.
Forecast vs Final — clearly separated
Tax snapshot
Forecast obligation (estimate)$9,400
Recommended set‑aside$9,400
Paid to date$3,200
Forecast updates as income and payments are recorded. Final obligation is confirmed at filing.
Built for serious tax reality
Canada‑firstCanada‑first: CRA rules, GST collected, CPP built‑in. V1
targets
Canada + BC.
Forecast vs finalForecast obligation is kept separate from the final
obligation (at filing). Final obligation (at filing) only comes from filing.
Traceable dataConsistent categories and audit trails.
No credit card for betaFree to join the Beta Program.
Shield includes
- Real‑time forecast obligation: Clear estimates for income tax, CPP, and GST collected (recommended set‑aside).
- Set‑aside targets: Recommended set‑aside updates in real time as income is recorded.
- Accountant‑ready records: Structured data that’s easy to reconcile.