Bilingual Self-Employed Tax Spreadsheet Canada
The short answer
One Ontario filer on C$57,500 net owes about C$15,098 in tax and CPP, C$3,775 a quarter. This spreadsheet runs it in English and French, side by side.
A bilingual self-employed tax spreadsheet Canada wide has to do two things most tax sheets do once: run the full Canadian math, and run it in both languages. One Ontario filer with C$57,500 of net income owes about C$15,098 in tax and CPP, about C$3,775 a quarter, and this workbook runs that system in English and French, side by side.
Educational information, not tax advice. Brackets, credits and rates change, and your province and your own figures decide what you really owe.
What does one Ontario filer owe on C$57,500 net?
State the case in full: gross self-employed income of C$72,000, business expenses of C$14,500, and net income of C$57,500, filed in Ontario for 2026. At the 2026 brackets and basic personal amounts, the three bills come out close to these approximations:
| Bill | Amount (approx.) |
|---|---|
| Federal income tax | C$6,164 |
| Ontario income tax | C$2,508 |
| CPP, self-employed at 11.9% | C$6,426 |
| Total tax and CPP | C$15,098 |
| Quarterly instalment | C$3,775 |
Then the sales tax side. HST collected on the C$72,000 of income at Ontario's 13% is C$9,360. Input tax credits on the expenses come to C$1,885, so the net HST remittance is C$7,475. A self-employed filer who tracks only the income tax half will still be surprised twice a year. The workbook tracks both halves from the same income and expense records, which is why the example states them together.
These figures are approximations built on the stated case, not a quote for your return. Different expenses, a different province or a spouse's income moves every line. The point of the example is the shape: three bills, one instalment rhythm, and a sales tax balance that is tracked all year instead of reconstructed in April.
What does bilingual mean in this workbook?
Both editions in one download: the full English workbook and the full French workbook, 12 connected tabs each, with the same 2026 Canadian tax math in both, for all provinces and territories. Sample data is included in both files, so you can see the system working in either language before you enter your own figures.
The terms map is the part bilingual filers feel daily, so here is the short version the two editions share:
| English | French |
|---|---|
| Instalments | Acomptes provisionnels |
| Expenses | Dépenses |
| Net income | Revenu net |
| Input tax credits | Crédits de taxe sur les intrants |
The Self Employed Tax Spreadsheet Canada 2026 Bilingual EN FR is the bilingual edition. Filers who want the wider Canadian picture first can read our sole proprietor taxes Canada 2026 guide, which covers who owes what, and when, before any spreadsheet enters the picture.
Who is this for, and who should skip it?
This fits a self-employed Canadian who works in one language and files, banks or shares records in the other: a French speaking filer with an English speaking accountant, or the reverse. It also fits a household where two partners split the books across languages. Skip it if you only ever work in one language; the single language editions cover the same math with less to carry. And skip any spreadsheet at filing time if your situation involves employees, multiple businesses or a corporation question. That is accountant territory, and this page will not pretend otherwise.
FAQ
Are the English and French workbooks really the same system? Yes. Same 12 connected tabs, same 2026 math, same provinces and territories, in both editions. Nothing is a summary or a shortened version. You can start a tab in one language and check it in the other.
Does it cover Quebec? The workbook covers all provinces and territories. Quebec filers should know that Quebec runs parts of its system separately, including its own return and the QPP instead of CPP. Enter your province and the tabs apply its rules.
How close is the worked example to a real return? It is an approximation on a fully stated case: one income, one expense total, no other credits or income sources. It shows the shape and size of the bills honestly. Your return will differ, and the workbook exists to run your real figures instead.
When are the quarterly instalments due? For individuals, instalments fall on March 15, June 15, September 15 and December 15. In the example, the year's total of about C$15,098 splits into four payments of about C$3,775. The tabs track what each quarter should be against what you have paid.
What if the file does not work for us? Digital downloads are not refunded, and we say that before you buy. The fix-it promise is the standing alternative: if either workbook will not open or a formula is broken, we fix it or replace it until it works, in whichever language you hit the problem.
How the numbers were run
Net income is gross income minus expenses: C$72,000 minus C$14,500 is C$57,500. Federal and Ontario tax are computed at the 2026 brackets after the basic personal amounts, and CPP uses the self-employed rate of 11.9% on the net amount in this stated case. The total is split by four for the instalment figure. HST collected is 13% of the gross income; the remittance subtracts the stated input tax credits. All figures are rounded and labelled approximate in the table.
About Kollaz
Kollaz: Smart financial tools for modern money. We build spreadsheets that answer real money decisions with real math. Browse the shop: etsy.com/shop/kollaz. Get the spreadsheet: Self Employed Tax Spreadsheet Canada 2026 Bilingual EN FR.