This isn't carelessness. It's the system working exactly as designed, and almost nobody has ever laid the whole thing out for a business owner. Your business earns a dollar. Watch what's left of it by the time it reaches you.
Published 2026 federal and Ontario rates: corporate tax at the combined small-business rate of 11.2%, then the remainder paid out as a non-eligible dividend taxed at Ontario's top personal rate of 47.74%. At lower personal tax brackets, more of the dollar reaches you. Inflation figure from Statistics Canada, August 2026. Illustrative arithmetic, not a forecast, and not advice.
That's not your fault. Nothing came with instructions. But you can't do anything about a number you've never seen.
Twenty minutes with Donny, built on your own figures.
No waiting on a report to land in your inbox and hoping you can decode it. We go through it together.
Pick a slot that works. That's your appointment locked in. Payment and booking happen together, in one go.
A short form afterwards, about four minutes. Don't have something to hand? Leave it blank and it gets sorted on the call.
Your figures against published federal and provincial rates. Every line shown, so your accountant can check the whole thing.
Twenty minutes, screen to screen. What each number is made of, which ones matter, and what to take to your accountant.
Example figures for a fictional incorporated owner in Ontario with $400,000 of profit, $600,000 retained, and a fairly ordinary set of habits. Nothing exotic. Nothing they were doing wrong. Your report is built on your own numbers.
Four leaks broken out: what each one is, what it's costing, and the arithmetic behind it in plain sight.
See the full sample →Usually not. Most of us hire an accountant to prepare returns, and they do that well. But preparing a return and hunting for leaks are two different jobs. An accountant isn't usually a strategist. You want both. The right team makes all the difference.
Roughly what your company earned, roughly what it's holding, and what you took out last year. The form takes about four minutes. Nothing needs to be to the dollar.
Leave anything you don't have blank. Where a figure is missing, the report says so and shows the assumption used in its place. Then we replace it with your real number on the call.
Yes. The report is built on your own province's published rates, and the rates used are printed in it so they can be checked.
You're armed with information you can act on. A number you can see is a number you can do something about, with your accountant, your lawyer, and whoever else belongs on your team. What you do next is entirely your call.
You'll be asked for a few details when you book. The numbers come after.
Straight with you about what this is. Find the Leak is educational. It shows what your own numbers are doing under published tax rates. It doesn't tell you what to do about it, and it isn't tax, legal, accounting or financial advice.
You'll want your own people. Everything in your report is built to be handed to your accountant and your lawyer, with the arithmetic left visible so they can check it. Nothing here recommends a product, and nothing obliges you to buy anything, ever.