For Shopify stores, Amazon, Etsy and eBay sellers, and anyone selling online. Your books done the day you upload your statements, checked against your bank, for $79 CAD a month.
Free to join. The first 1,000 in get their catch-up free.
Sales tax
Ontario charges 13% HST on most sales. Once your sales pass $30,000 in four quarters in a row (or in one quarter), you register, charge it and file GST/HST returns.
Income tax
Ontario taxes income at 5.05% to 13.16% in 2026, on top of federal tax of 14% to 33%, on the profit from your business.
CPP
Working for yourself, you pay both halves of CPP: 11.9% of your earnings from $3,500 to $74,600 in 2026, plus 8% more up to $85,000.
Deadlines
Sole proprietors file by June 15 and pay by April 30. Once you owe more than $3,000, CRA asks for instalments on March 15, June 15, September 15 and December 15.
Contractors
Paid someone more than $500 for services in a year? They may need a T4A slip by the end of February.
What every business in Cambridge (about 140,000 people) keeps track of in 2026. Rates change, so check with your accountant before you file.
Why online stores need different books
Payouts come in net of fees, refunds and shipping labels, sometimes from several platforms at once. Stock is bought ahead and sold over months. Sales tax depends on where your customers are. An online seller's bank deposits almost never equal their sales, and that's where the books go wrong.
What a bookkeeper for online stores in Cambridge keeps track of
Each payout split into sales, refunds and platform fees
Stock bought and the cost of what sold
Sales tax or GST/HST by where customers are
Shipping and packaging costs
Ad spend by platform
Taxes for online stores in Ontario
Selling from Ontario, you charge each customer their own province's rate: 13% HST to customers in Ontario, 13% HST to Ontario, 5% GST to Alberta, and so on.
GST/HST is charged at the rate of the province your customer is in, not yours.
Marketplaces collect GST/HST for sellers who aren't registered; once you register, you charge it yourself.
Sales to customers outside Canada are usually zero-rated.
What SumSwift does for online sellers, for $79 CAD a month
Connects to WooCommerce, Wix, Squarespace and PayPal today, with Shopify, Amazon, Etsy and eBay coming, and reads Shopify, Square and Amazon export files
Each payout split into sales, refunds, tax and fees, so deposits match sales
Sales tax or GST/HST worked out by where each customer is
Stock kept item by item, first in first out or average cost, with cost of goods sold each month
Receipts snapped with your phone or forwarded by email are read and matched to the charge
Every statement checked against the balances your bank printed, to the cent, with personal spending kept off your profit
Up to 3 accounts included. Prices in CAD. Your accountant still files your tax return, with clean books and free access.
Questions.
How much does a bookkeeper for online stores cost in Cambridge?
Published price guides put most small businesses at $300 to $1,500 a month for a bookkeeper, more when the books are busy, as they often are for online stores. SumSwift does the monthly work for $79 CAD a month, the day you upload your statements.
Why doesn't my Shopify payout match my sales?
Shopify and other platforms take fees, refunds and sometimes shipping labels before they pay you. SumSwift splits each payout so your sales show at their full amount and fees show as costs.
Do I need to track inventory?
If you buy stock ahead, yes: the cost counts when it sells, not when you buy it. SumSwift works out the cost of what sold each month.
Does SumSwift know Ontario's tax rules?
Selling from Ontario, you charge each customer their own province's rate: 13% HST to customers in Ontario, 13% HST to Ontario, 5% GST to Alberta, and so on. GST/HST is charged at the rate of the province your customer is in, not yours.
Behind on my books. Can you catch me up?
Yes. A catch-up of up to 12 months is $599, once, checked against your bank to the cent.