The tax bill nobody ever explained to you.
You got paid with no tax taken off. You spent what was in the account. Then a number arrived that you had no part in deciding.
Lumo is built for Canadian people working for themselves — no employees, no payroll. It speaks up through the year on the things that change what you owe: what you can write off, when GST/HST starts applying to you, where your income tax is heading, why sole proprietor versus incorporating comes up, and plenty more as your year takes shape. Every one of them is a choice you get to make while it still counts.
- KnowWhat's coming, and why
- EmpowerWhat you do changes the number
- BreatheNo April scramble
See your number in seconds.
Two questions, no signup.
Some of every $1,000 that comes in isn't yours.
Lumo does the split so you can see it as the money lands — nothing moves anywhere, you just stop spending the part you’ll need later. Then it walks you through the write-offs that apply to your work, one at a time, until that share is as small as it’s supposed to be.
Part of this is yours. Part of it is set aside for tax. Lumo names both as the money lands.
4,200 km driven this year, no trips recorded.
If any of that was business driving, it’s deductible — and right now none of it is written down. We can rebuild the trips from your receipts.
What you do throughout the year changes the bill.
Simple software for one-person businesses — no staff, no payroll. It keeps your records straight and tells you what you need to know, when you need to know it.
Know what to set aside
A share of every deposit belongs to next April. Lumo names the number as the money lands, and keeps the estimate current all year instead of once at the end of it.
Claim what you're already entitled to
Trips, phone, supplies, the home office share. Most people leave thousands on the table because nobody ever told them it counted.
Records that are already right
You start with a set of categories picked for your kind of work, and add your own whenever you need them. Things get recorded right the first time, so there's nothing to untangle in April — and when you hand it over, your tax professional is billing you for an hour instead of a week.
Know which questions are yours to ask
Whether to register for GST/HST, whether incorporating is worth looking at, what you might be missing at your income. Lumo raises it when it's relevant, explains why it comes up, and tells you exactly what to ask.
Nobody teaches you this part, and then it costs you money.
Lumo is being built with an expert tax preparer guiding what goes in it. Someone who spends their days on exactly these returns. What that person knows shouldn’t only reach the people who can afford to ask.
We’re aiming to have it in your hands before you file for 2026. The waitlist is where we’ll ask what you need, while there’s still time to build it that way.
If you get paid without tax taken off, this is for you.
You picked a craft and a business came attached to it. Some people call it a business. Some people say they’re just subcontracting. Either way the bill works the same.
- Massage therapist
- Electrician
- Plumber
- Hairstylist
- Photographer
- Personal trainer
- Nutritionist
- Mortgage broker
- Consultant
- Subcontractor
- Dog groomer
- Landscaper
- Rideshare driver