The Best Financial Tool for Canadian Freelancers and SMEs — GST, HST, and Multi-Currency Made Simple
Canada has a large and growing freelance economy — particularly in technology, creative services, and consulting. Canadian self-employed individuals and SMEs navigate a tax environment that is more complex than it first appears: GST applies federally, HST applies in participating provinces, and PST or QST applies in others. Many Canadian freelancers also invoice US clients in USD while managing CAD expenses.
Komier simplifies this cross-currency, multi-tax-rate reality without requiring you to become a tax expert.
Canadian Tax Complexity — Simplified
GST and HST on Invoices
Businesses registered for GST/HST must include their Business Number and the applicable tax rate on all invoices to registered recipients. The rate depends on the province of supply:
Ontario, Nova Scotia, New Brunswick, Newfoundland, PEI — HST at 13% to 15%
Alberta, BC, Manitoba, Saskatchewan, Quebec — GST at 5% plus provincial tax
Multi-Currency — CAD and USD
A large proportion of Canadian freelancers, particularly in tech and creative fields, earn primarily in USD from US clients. Komier allows you to invoice US clients in USD and Canadian clients in CAD from the same account, with live CAD/USD exchange rates always visible in the currency dashboard.
Komier supports configurable tax rates per invoice — set your applicable GST or HST rate and the tax calculation is automatic
Setting Up Komier for Canada — Quick Start
Set home currency to CAD in Settings
Add your GST/HST Business Number to Business Profile
Configure the Applicable Tax Rate and Label to your applicable provincial tax rate under Preferences.
Set the Default Tax Rate to your income tax rate estimate for self-assessment planning
