Salary vs. Dividends in Ontario: What's the Right Mix for 2025?
A plain-language walkthrough of how to decide how much of your compensation should be salary versus dividends, using current Ontario rates and real examples.
Devin O'Brien, CPA, CMA
Resources
Guides and tools for Ontario small business owners.
In-depth articles and free calculators built around the questions I hear most from clients. Every guide and tool is written or reviewed by Devin O'Brien, CPA, CMA, using current Ontario tax rates and CRA rules.
Guides & articles
Long-form explainers on the decisions that actually move the numbers for Ontario owners.
Should I Incorporate My Business? A Plain-Language Guide for Ontario Owners
When incorporation actually pays off, when it doesn't, and what the ongoing costs and obligations really look like.
Devin O'Brien, CPA, CMA
The HST Threshold Explained: What Ontario Business Owners Need to Know
The $30,000 threshold, the 29-day registration window, and when voluntary registration is worth it.
Devin O'Brien, CPA, CMA
Why Your Business Is Profitable But You're Always Short on Cash
The four most common reasons profit and cash don't line up — and the simple forecast that makes it obvious.
Devin O'Brien, CPA, CMA
The 10 Most Overlooked Tax Deductions for Ontario Small Business Owners
Real deductions owners routinely miss — from home office to vehicle log rules to the tax treatment of professional development.
Devin O'Brien, CPA, CMA
How to Value a Small Business in Ontario: What Buyers Actually Look For
The three common valuation approaches, the multiples buyers typically pay, and the pre-sale planning that actually moves the number.
Devin O'Brien, CPA, CMA
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Free calculators & tools
Interactive tools using current Ontario tax rates. Free to use, no email required.
Salary vs. Dividends Calculator
Model the most tax-efficient way to pay yourself from your Ontario corporation. Updated for 2025 rates.
Open tool →HST Registration Checker
Find out if — and when — you need to register for HST in Ontario, and whether voluntary registration makes sense.
Open tool →Cash Flow Gap Analyzer
See the gap between when you invoice and when cash actually arrives, and what that means for your operating buffer.
Open tool →Financial Health Scorecard
A 10-question diagnostic that scores your small business across tax, cash flow, bookkeeping, and growth readiness.
Open tool →Tax Savings Quiz
Answer a few questions and get a personalized list of tax-saving opportunities you may be missing.
Open tool →