Bookkeeping for therapists and clinics in Oshawa, ON.
For counsellors, physiotherapists, chiropractors, massage therapists and small clinics. 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 Oshawa (about 180,000 people) keeps track of in 2026. Rates change, so check with your accountant before you file.
Therapists and clinics in Oshawa, by the numbers
Oshawa has 83 therapy and health practitioner offices (other than doctors and dentists) with employees (Statistics Canada, December 2024).
Every one of them has books to keep: sales to match to the bank, costs to sort and tax to work out.
Why therapists and clinics need different books
Payments from clients, insurers and sometimes the government, each on its own schedule, plus practitioners paid as staff or associates and rent shared between rooms. Sales tax works differently for health services, which trips up a lot of books.
What a bookkeeper for therapists and clinics in Oshawa keeps track of
Payments from clients, insurers and benefit plans
Associates' pay or splits
Rent and shared costs
Continuing education and licensing
Sales tax rules for health services
Taxes for therapists and clinics in Ontario
In Ontario, as across Canada, most services from regulated health practitioners are exempt from GST/HST. Products and non-exempt services take 13% HST once you're registered.
Most health services from regulated practitioners are exempt from GST/HST, so you don't charge it, and you can't claim it back on costs.
If you also sell products or services that aren't exempt, those take GST/HST and costs are split between the two.
Associates paid for services can need T4A slips.
What SumSwift does for therapists and clinic owners, for $79 CAD a month
Exempt sales handled, with GST/HST credits only on the share of costs that's for taxable sales
Insurer and government payments sorted, including OHIP, MSP and RAMQ remittances for physicians
Associates' payments and slips
Invoices made, emailed and chased in SumSwift, with a pay link your customers can use
Every statement checked against the balances your bank printed, to the cent, with personal spending kept off your profit
A year-end package and free access for your accountant
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 therapists and clinics cost in Oshawa?
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 therapists and clinics. SumSwift does the monthly work for $79 CAD a month, the day you upload your statements.
Do I charge GST/HST as a therapist?
Most services from regulated health practitioners are exempt in Canada. Products and services that aren't health care can take GST/HST.
Can you handle insurance payments?
Yes. Payments from insurers and benefit plans are matched and sorted like any other income.
Does SumSwift know Ontario's tax rules?
In Ontario, as across Canada, most services from regulated health practitioners are exempt from GST/HST. Products and non-exempt services take 13% HST once you're registered. Most health services from regulated practitioners are exempt from GST/HST, so you don't charge it, and you can't claim it back on costs.
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.