✦ Truly Know What Is Yours to Keep

Invoicing that lets you
truly know what is yours to keep.

Taxes are not a mystery. It is just math. Easy math, with big consequences. TrueKeep does not just tell you what to set aside, it teaches you the math as you go and encourages you to claim the legitimate write-offs you could be missing, so you keep more of your hard-earned money.

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Invoice #2026-042 · Commercial Production & Technical Direction
● Live Calculation Active
Gross Billed to Client
$4,520.00
Subtotal $4,000.00 + 13% HST
● Sales Tax Stash (HST)
-$520.00
Locked in CRA holding buffer
● Estimated Income Tax
-$1,000.00
25% bracket set-aside
★ Safe-to-Spend Take-Home
$3,000.00
Yours to spend with zero guilt
Allocation Split 66.4% Safe Take-Home · 33.6% Tax Reserves
Engineered for Contractors

Everything You Need to Bill Fast and Protect Your Profits

Traditional invoicing software only tracks what you invoice. TrueKeep is the first financial cockpit built to tell you what you keep.

Custom Tax Profiles & Stash

Choose how you stash: Flat Rate, Marginal Brackets, or Marginal with Expenses Deducted. Marginal rates scale as you earn throughout the year, so your set-aside automatically adjusts as your income climbs into higher brackets.

Learn the Math as You Go

Taxes should not be a scary black box. Every invoice shows you the exact arithmetic behind your numbers, so over time you build real confidence and intuition.

Crew & Gig Day Rates

Built-in support for commercial day rates, 1.5x/2.0x overtime, kit/gear rentals, and union meal penalties. No clunky workarounds.

Catch the Write-Offs You Are Missing

Most freelancers leave thousands on the table simply because they forget to log deductions. TrueKeep prompts you for the write-offs that fit your work, like gear kit rentals, vehicle mileage, and meals, showing you instantly how every receipt puts cash back in your pocket.

Real-Time Math Engine

It Is Just Math. Easy Math, With Big Consequences.

Taxes scale as you earn throughout the year. Pick a profile below to see how TrueKeep adjusts your set-aside as your income grows.

This Invoice Amount (incl. 13% HST) $4,520.00
$500 $15,000
💡 The Math Made Simple (Step-by-Step)
1. Sales Tax First: Out of your $4,520 invoice, $520 is sales tax that was never yours to spend. TrueKeep isolates that immediately.
2. Your Actual Revenue: That leaves $4,000 of real business income.
3. Bracket Scaling: Based on your YTD earnings, your tax buffer is set at 25% ($1,000 set aside).
4. Safe to Spend: You pocket $3,000 completely guilt-free. Easy math, zero surprises.
Gross Invoiced to Client $4,520.00
Sales Tax Stash (13% HST) -$520.00
Income Tax Buffer (25% Flat) -$1,000.00
Safe-to-Spend Take-Home You are encouraged to stash a little extra, but this gives you an accurate picture.
$3,000.00
Why TrueKeep

Traditional Invoicing vs. TrueKeep

Most invoicing tools were built for retail stores and generic small businesses. TrueKeep is built for people who sell their skills, time, and gear.

Feature Generic Invoicing (QuickBooks / FreshBooks) TrueKeep Invoice
Tax Set-Aside Tracking None. You must guess or use spreadsheets. ✓ Real-time automated tax stash
Day Rates & Overtime Clunky workarounds or manual line math. ✓ Native day-rate, 1.5x, 2.0x support
Running Project Tabs Messy unbilled drafts that get lost. ✓ Dedicated running client tabs
Kit & Gear Rentals Generic line items with zero asset tracking. ✓ Integrated gear tracking & Class 8 CCA
Payment Processing High 3%+ gateway cuts with delays. ✓ Direct Helcim bank & card payouts
Why I Built This

From a CRA Mess to Peace of Mind

I got in trouble with the CRA. That is the honest truth.

When you work for yourself doing gigs and contracts, money lands in your account and you feel like you are doing great. But nobody tells you what part of that money is actually yours, and what part belongs to the government. I was not trying to dodge anything, I just did not have the numbers in front of me. When the tax bill hit, it was brutal.

Fixing that mess taught me a lesson I will never forget: taxes are not mysterious, it is just math. Easy math, but with huge consequences if you do not stay on top of it.

I realized that if an invoicing app simply showed you the math every time you billed a client, separating your sales tax and putting aside your income tax right then and there, nobody would ever get trapped. So I built a private tool to protect my own back.

That tool worked. It kept me out of trouble and gave me real peace of mind. Once I had it working for my own work, I turned it into TrueKeep so other freelancers and crew do not have to learn the hard way like I did.

Malcolm Wegg
Founder, TrueKeep Invoice
Toronto, ON · Canada
Got Questions?

Frequently Asked Questions

How does the tax set-aside work?

Whenever you create an invoice, TrueKeep automatically computes your sales tax (such as Ontario 13% HST) and your estimated income tax bracket buffer, showing you your exact safe take-home pay.

Can I export to my accountant or QuickBooks?

Yes. TrueKeep generates comprehensive audit-ready CSV and PDF dossiers with all HST/GST breakdowns, CCA Class 8 depreciation, and categorized expenses for your tax accountant.

Where is my data hosted?

All TrueKeep infrastructure and databases are hosted on private, sovereign Canadian bare-metal servers in Toronto, Ontario. Your financial data never leaves Canadian jurisdiction.

How do running tabs work?

Rather than creating 10 different invoices for a multi-day gig, you keep an open tab. Log your shifts, kit rentals, and parking receipts as they happen, then generate one consolidated invoice upon wrap.