Place Jacques-Cartier, 1901 / 45°30′N 73°33′W
Salary, dividends, or keep it in the company?
Up to 19 questions depending on your stage, ten minutes at most: Huard & Co starts from where you are and turns them into your plan for the year, the salary, the dividends and what stays in the corporation, under the 2026 rules. Or try the quick calculation with a few numbers first.
No account needed. Your answers stay in this browser.
Not incorporated yet? The diagnostic also compares your profit earned in your own name or through a corporation, and what a corporation costs each year. See whether it would pay off
The 2026 rules that decide for a corporation
Your province’s rules decide.
Wherever you are
The diagnostic’s first question: where is your company at? Everything after starts from your answer, never from a typical case.
Not incorporated yet
Whether a corporation would pay off for your profit and needs, and what it would cost each year. No company plan made up.
First year
The first pay, started at the right time, the fiscal year-end, and the papers to bring your accountant.
Established company
The salary–dividend split read from how you pay yourself today, keeping or taking out the surplus, the corporation’s tax accounts.
Preparing the exit
Living off the company, the order to draw it down, no new payroll for a few years, and the questions for a sale.
Three questions, three answers
The diagnostic asks up to 19 questions, one at a time. It answers these first, with your numbers.
1. How much should I pay myself, and how?
Every possible salary, with the rest in dividends for the same take-home pay. The shaded zone: salaries that give almost the same result.
2. Keep the surplus, or take it out?
Where the year’s profit goes: to the household, to taxes, or into the corporation. The corporation’s safe is a reserve, not a personal bank account.
3. And for retirement, or the exit?
Salary builds RRSP room and a public pension; dividends don’t. Over the years left, the difference adds up. If you’re preparing the exit, the diagnostic looks instead at living off the company: the order to draw it down, with no new payroll for a few years.
Mathieu, IT consultant in Québec City (sample owner). Sample inputs: $160,000 of profit, today $0 of salary and $110,000 of dividends, under 5,000 paid hours.
The rules behind the answer
Corporate rates, contributions on salary, payroll tax: your province’s rules, and what the engine counts.
Example: Québec. Choose your province in the calculator to see its rules.
With your accountant
Huard & Co doesn’t replace your accountant: it prepares your meeting.
Every finding that needs a decision becomes a question, with your numbers. You arrive with the list; the meeting is about the choices.
Place Jacques-Cartier, Montréal, 1901
Calculations you can check
Planning software models your corporation’s accounts, but leaves the salary and dividend amounts for you to pick. Huard & Co compares them for you, with the household in view, and prints the list for your accountant.
2026 rules, verified
Every parameter carries its official source. Anything not yet confirmed is marked “to be confirmed”.
Computed in your browser
Your numbers don’t leave your device to be calculated.
Your data stays yours
Export or erase everything in one click; hosted in Canada, compliant with Québec’s Law 25.
Pricing
Entrepreneur is everything in Plus, with your company in every calculation: salary or dividends, your corporation inside the household projection, the Entrepreneur Report and an agenda for your accountant. The diagnostic stays free, with every finding, its amount and its source.
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Entrepreneur Report
One time
Entrepreneur
Yearly