NeverØwe
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
TM

Shield™ gives gig workers, contractors, and small crews real‑time forecast obligation and set‑aside targets.

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Why NeverØwe exists

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.

How it works

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.

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.

Example: $2,800 recorded → $860 recommended set‑aside

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.

Example: $420 income tax + $300 CPP + $140 GST collected

Export clean records

Clean records your accountant can import with minimal cleanup.

Example: Accountant‑ready CSV

Real app output

$500 payday. Here's exactly what Shield shows.

This is the actual breakdown Shield produces the moment you record income — federal tax, provincial tax, and both sides of CPP, calculated live.

Business Income: $500.00
Income Tax
Federal installment$70.00
BC provincial installment$28.00
Total income tax$98.00
CPP Contributions
Your portion (5.95%)$29.75
Employer portion (5.95%) self-employed pay both$29.75
Total CPP$59.50
Income Tax Account Remittance$157.50
Safe to Spend
After tax, GST, and CPP
$342.50

GST tracked separately when registered. ITCs applied at filing.

Export snapshot

Structured line items with category tags, dates, and allocation history.

Always traceable. No manual cleanup.

Why NeverØwe?

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.
For Rideshare & Gig Drivers

Uber tells you to use a bookkeeping app.
Shield does the work for you.

Uber's own tax guidance sends drivers to bookkeeping software. Shield is purpose-built for exactly this — it reads your Uber reports, logs your kilometres automatically, and keeps your GST obligations straight from day one.

"Using a bookkeeping app or software throughout the year can help you keep track of collecting and remitting sales taxes."

— Uber Canada, driver tax guidance

Auto-configured for rideshare

Select the rideshare preset and Shield locks in CRA industry code 48520, auto-enables GST with no threshold — because rideshare drivers must register from dollar one — and surfaces your filing period picker alongside your GST number.

No manual setup. CRA rules applied automatically.

Mileage Log with odometer OCR

Tap the camera icon on any odometer field, snap a photo, and Shield reads the display and fills the number for you. Enter your Uber trip distance from your weekly summary and the business-use percentage calculates live. 14-day history with tap-to-edit.

No manual odometer entry. Your business-use % always current.

Import your Uber report

Drop in your Uber earnings report — PDF or CSV — and Shield parses it automatically: income, GST collected, and deductible expenses broken out in a full preview before anything hits your ledger. Confirm once. Books updated.

Your Uber data becomes clean, CRA-ready records in seconds.

Forecast vs final

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.

Trust signals

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.
Free for 3 monthsBeta access is free for the first 3 months. Cancel anytime.

Shield includes

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