Bookkeeping App Canadian Contractors Use to Stay CRA-Ready
Stop guessing your GST/HST obligations. Snap receipts, auto-track mileage, and generate audit-proof Schedule 125 & T2125 reports right from your phone.
- Free Starter plan · 50 receipts
- Built in Canada
- CRA-compliant record keeping
Where Did That Receipt Go? The CRA Doesn't Care.
Tap payments make spending invisible. A proper bookkeeping app makes every dollar traceable — and every deduction claimable.
The "Misc" mystery
Bank statements lump half your expenses into "Other" — useless for actually claiming deductions.
The spreadsheet you abandoned
Manual expense logs die by week three. Tracking has to be effortless or it doesn't happen.
Mileage guesswork
Guessing "roughly 40 km" per job costs you thousands at tax time — and won't survive a CRA audit.
Tax-time receipt panic
Twelve months of receipts, zero organization — every April, the shoebox returns.
Every Receipt Logged, Categorized & CRA-Ready
A receipt scanner, mileage tracker, and tax-ready report generator in one — built so the bookkeeping happens even on your busiest job days.
Real-Time Receipt Tracking
Snap a receipt in two taps — or connect your bank and watch GST/HST-tagged transactions flow in automatically.
Tag Every Job & Client
"Client site → Job → Site." The only tracker built for contractors — every dollar knows which project earned it.
Contractor workflowAsk AI About Your Books
"How much did I spend on fuel last quarter?" Instant answers from your tracked expenses — no filters, no reports to build.
Explore Ask AISmart Categories & Insights
Fuel, materials, subcontractors, meals — see exactly where money goes with visual reports and quarterly trends.
Schedule 125 & T2125 Exports
One tap turns a year of tracked expenses into audit-proof, tax-season-ready summaries — exported to PDF or Excel.
Auto Mileage Tracking
GPS logs every kilometre between job sites — CRA-defensible mileage claims without touching your phone.
Real Contractors, Real Books.
From the morning fuel stop to the year-end tax filing — Canadian contractors log, tag, and file every dollar with Zoombooks.
Every Zoombooks Feature — All Free
The complete Canadian-contractor bookkeeping toolkit — from receipt capture to CRA-ready exports. Every tool, no paywall.
Effortless Categorization
Transactions auto-tag themselves by vendor — overspend shows up the same day.
Real-Time Receipt Tracking
The core engine: two-tap capture or automatic bank sync — your choice.
Profit Tracking
Tracked jobs roll up into the bigger picture — real profit per project, in real time.
Multi-Currency Support
Log an expense in USD, EUR, or GBP — it lands converted to CAD automatically.
Secure Bank Syncing
Auto-tracking via Plaid means most expenses log themselves.
Smart Reports & Insights
Every tracked dollar becomes a chart, a trend, and an exportable report.
GST/HST-Ready Exports
A year of tracked expenses becomes a tax-ready summary in one tap.
Secure & Private
Receipts and records encrypted — your bookkeeping is nobody's product.
Goal Setting & Insights
Tracking shows the leak; goals give the recovered money somewhere to go.
Ask AI About Your Books
"How much did I spend on fuel last quarter?" — your books now answer back.
Team & Subcontractor Access
Tag expenses by person — the crew tracker no other bookkeeping app offers.
Weekly Cash-Flow Digest
Last week's spending, summarized — sent before Monday's coffee.
From Invisible Spending To Full Picture In 4 Steps
Set up once. Tracked forever.
Download free
iOS or Android — no card, no trial countdown.
Connect banks or go manual
Auto-track via Plaid (read-only) or log expenses in two taps.
Categorize & tag
Smart categories sort transactions; tags say which job earned what.
Review, ask & export
Weekly insights, Ask AI answers, and CRA-ready PDF/Excel reports.
Bookkeeping Options for Contractors, Compared
Apps, spreadsheets, or shoeboxes — here's how the options stack up. Read more in our free bookkeeping guide.
| What matters | RECOMMENDED Zoombooks | Spreadsheet | QuickBooks | Wave |
|---|---|---|---|---|
| Price | Free | Free | $27/mo | Free |
| Automatic bank sync | — | |||
| GST/HST auto-tagging | — | Add-on | — | |
| Mileage tracking | Manual | — | — | |
| T2125 / Schedule 125 exports | Manual | — | ||
| Works in two taps on your phone | — |
Comparison based on publicly listed pricing and features as of July 2026 — verify current details with each provider.
Bookkeeping App FAQ
What is the best free bookkeeping app for Canadian contractors?
Zoombooks is a free bookkeeping app built in Canada, by Canadian tax accountants (Instaccountant). It tracks receipts in real time, syncs automatically with Canadian banks via Plaid, categorizes every transaction, tags expenses by job or client, and exports GST/HST-ready reports and Schedule 125 / T2125 to PDF or Excel — with no trials and no ads.
Can it track my expenses automatically?
Yes. Connect your business bank account (read-only, via Plaid) and Zoombooks auto-imports transactions and suggests categories using your history. Or snap a receipt in two taps and let OCR pull the vendor, amount, and GST/HST.
Can I tag expenses by job, client, or subcontractor?
Absolutely — this is core to Zoombooks. Every expense can carry a client, job/site, and person tag, so at year-end you know exactly which project earned what, and which subcontractor cost what.
Can I export my books for taxes?
Yes. One tap generates a Schedule 125, T2125 self-employment summary, or full expense export — as PDF or Excel — ready for your accountant or CRA filing.
Does it work outside Canada?
Zoombooks is built for Canadian tax rules (GST/HST/PST, T2125, Schedule 125), but you can log multi-currency expenses (USD, EUR, etc.) that auto-convert to CAD — useful for cross-border contractors.
More Ways To Handle Your Books With Zoombooks
Contractor Bookkeeping App
Built for self-employed trades — jobs, sites, subs tagged automatically.
Free Bookkeeping App Canada
No trials, no paywalls — what "free" actually means for Canadian contractors.
Ask AI Money Assistant
Instant answers from your tracked expenses — no filters, no report-building.
GST/HST Filing Made Simple
Auto-tagged transactions, one-tap CRA-ready exports.
QuickBooks Alternative
Free replacement for solo contractors — no monthly subscription trap.
Bookkeeping for Side Hustles
T2125 support out of the box — full-time job + side income, tracked cleanly.
See Where It Grows. Decide Where It Goes.
Start tracking every dollar today — free forever, set up in minutes, no card required.
Plans That Grow With Your Business
Start free, upgrade when you need more. No hidden fees, cancel anytime.
Perfect for solo contractors getting started.
- 50 receipts / month
- GST/HST auto-detect
- 1 user
- Priority support
For growing one-person operations.
- Unlimited receipts
- Mileage tracking
- 1 user
- Email support
Everything contractors need at tax time.
- Everything in Starter
- Schedule 125 & T2125 export
- Up to 3 users
- Priority support
For teams and incorporated contractors.
- Everything in Pro
- Multi-company support
- Unlimited users
- Dedicated account manager