Your net worth, with your corporations in it.
Liquid is a private dashboard for Canadian incorporated professionals. See yourself, your professional corporation and your holding company on one page, in Canadian dollars. Plan what to pay yourself. Keep every CRA date in view.
One-time price. Runs on your own Cloudflare account for about $0 a month. Tax tools use federal and Ontario rates today.
| Entity | Assets | Owing | Net |
|---|---|---|---|
| PersonalHome, RRSP, TFSA, cash | 1,580,000 | (612,000) | 968,000 |
| Chen Dental Professional Corp.Cash, patient receivables | 127,500 | (18,900) | 108,600 |
| Chen Family Holdings Inc.Portfolio, incl. US$140,000 | 1,126,500 | 0 | 1,126,500 |
| Net worth | 2,834,000 | (630,900) | 2,203,100 |
US dollars converted to CAD at the daily reference rate. Amounts owing shown in brackets. Fictional person and companies.
Pay yourself on purpose.
Enter the profit you want to take out of your corporation. Liquid runs it both ways, as salary and as a dividend, and shows what you keep. Corporate tax, personal tax and both halves of CPP are counted.
- Federal and Ontario tables for 2024 to 2026, plus 2027 as a free update.
- Every assumption on screen. Edit the small business rate. See what the model leaves out.
- Optimize draw works the other way: name the cash you need, and Liquid ranks dividend mixes by the tax they cost.
Take out $120,000 of profit
2026, Ontario, no other income. Sample run.
As salary
- Salary paid
- 115,354
- Corporate tax
- 0
- CPP, both halves
- 9,293
- Personal tax
- 25,271
- You keep
- 85,436
As a dividend Keeps more
- Dividend paid
- 105,960
- Corporate tax
- 14,040
- CPP
- 0
- Personal tax
- 14,765
- You keep
- 91,195
The dividend keeps $5,759 more this year. Salary builds RRSP room and a CPP pension. Liquid shows both sides so you can bring the right question to your accountant.
Know what each company can pay out.
Enter the balances from your latest T2. Liquid keeps the capital dividend account, GRIP and loss carryforwards for each corporation. It checks a capital dividend against the CDA balance before you declare it.
Instalments get the same care. Liquid works out whether you owe them, for you and for each company, and puts every due date on one calendar.
Chen Family Holdings
Tax balances, year end 2025
| Capital dividend account | 48,200 |
|---|---|
| GRIP | 31,750 |
| Net capital losses | 12,400 |
| Non-capital losses | 0 |
A $40,000 capital dividend fits. $8,200 of CDA would remain.
CRA instalments
Coming up, all entities
| 30 Sep, Professional Corp.Paid | 4,725 |
|---|---|
| 31 Oct, Holdings Inc. | 727 |
| 15 Dec, Maya personal | 6,350 |
| 31 Dec, Professional Corp. | 4,725 |
Receipts in. Tax pack out.
Photograph a receipt and file it to the right company. At year end, export a ZIP for you and for each company, with its receipts and a spreadsheet your accountant can open. A pack holds up to 40 MiB in all, ledgers included; its manifest lists any receipt that did not fit.
Liquid also tracks cash flow and shows your runway: how many months your cash covers today's recurring budget if the work stopped. Debt payments and one-off costs are left out of that figure.
Runway
Cash across all three entities against personal spending
14 months
| Cash on hand | 197,600 |
|---|---|
| Spending, monthly average | 14,100 |
| Receipts filed this year | 214 |
Your books stay on your account.
Liquid is not a service you log in to. It is software you own. It runs on your own Cloudflare account, on the free plan. Your numbers never touch our servers, because we run none.
Only you can sign in
Your dashboard sits behind your own sign-in. The code ships with tests that check it.
About $0 a month
One person's books fit well inside Cloudflare's free tier. No subscription to us either.
Type it in or import a CSV
Enter accounts by hand or import balances from a spreadsheet. Bank sync through Plaid is optional.
Backup, restore, undo
Export everything in one file and restore it later. Deleted items go to a trash you can empty or recover from.
Set up in one sitting.
You need a free Cloudflare account and a computer with Node.js 22 or newer. If you can follow a recipe, you can do this. The guide walks every step.
-
Buy and download
You get the full source code, the setup guide and the current tax tables.
-
Run the installer
It creates the database and file storage in your Cloudflare account, then publishes your dashboard.
$ npm ci $ npm run setup -
Open your dashboard
Add yourself and your companies. Enter balances or import a CSV. Your first consolidated picture is ready.
Pay once. Own it.
Advisor planning software costs thousands a year. Budget apps bill you every month, in US dollars, and know nothing about your corporation. Liquid is a one-time purchase.
| Advisor planning software | about CA$2,500 a year |
|---|---|
| Monarch Money | US$99.99 a year |
| YNAB | US$109 a year |
| Liquid | CA$139 once, founder priceCA$199 once |
Liquid
Founder price for the first 50 buyers. After that, CA$199.
- Net worth across you and every corporation, in CAD
- Salary or dividend planner and draw optimizer
- CDA, GRIP and loss balances per company
- CRA instalment calendar, receipts and tax pack export
- Federal and Ontario tax tables, 2024 to 2027 (2027 as a free update)
- Full source code and setup guide
Full refund within 30 days if it is not for you.
Tax table updates
From January 2028, each new year's federal and Ontario rates, as a new version you install with the guide's update steps. Optional.
Questions
Do I need Plaid to use Liquid?
No. Liquid works fully with manual entry and CSV import. Most owners update balances once a month, which takes a few minutes.
Bank sync through Plaid is an optional extra for technical users. You need your own Plaid account, and Plaid may charge for live connections. Canadian bank connections through Plaid can be unreliable. Test yours before you count on it.
Where does my data live? Is it safe?
Your data lives in your own Cloudflare account: a D1 database and R2 file storage. We never see it and we run no servers. Setup asks Cloudflare to create each of them in its Eastern North America location, which may be in the United States. That is a placement hint for each one, not a guarantee that they sit together or in any one country.
Every page and file needs your sign-in. The code ships with tests that check those boundaries. You control the account, the backups and the delete button.
Which provinces does it cover?
The tax planner uses federal and Ontario tables today. Net worth, CDA and GRIP tracking, receipts and the calendar work anywhere in Canada. Other provinces are planned. Write to us at support@useliquid.ca before you buy if you are outside Ontario.
What happens when tax rates change?
Tax tables are plain data files. Your purchase includes the tables for 2024 to 2027. The 2027 tables arrive as a free update as soon as CRA and Ontario publish the 2027 amounts, usually before January. From 2028, the optional update plan, CA$69 a year, sends each new year's federal and Ontario tables in January, as a new version you install with the update steps in the guide (back up, unzip, redeploy; your data stays). You can also edit the tables yourself.
Is this tax advice?
No. Liquid is a tracking and estimating tool. Its numbers are estimates built on stated assumptions. Use them to prepare better questions for your accountant, and make decisions with a qualified professional.
Do I need to know how to code?
No, but you should be comfortable opening a terminal and pasting a command. The setup guide covers each step. If it does not work for you, ask for a refund.
What is your refund policy?
If Liquid is not for you, ask within 30 days for a full refund. No reason needed. The terms of sale have the details.
What does it cost to run?
About $0 a month for one household on Cloudflare's free plan. Cloudflare may ask for a payment method before it switches on R2 file storage; one household's receipts normally stay inside the free allowance. Plaid, if you choose to use it, bills you directly.