Expense tracking built
for Canadian contractors
Upload your bank statements, automatically categorize expenses into CRA-compliant categories, and export ready-to-file tax reports. No accounting degree required.
Also available on iOS & macOSFree to use. No credit card required.
Works with all major Canadian banks
Everything you need for tax time
From bank statement to CRA-ready report in minutes, not hours.
CSV & XLSX Upload
Export your bank statement as CSV or XLSX and upload it. We support RBC, TD, Scotiabank, BMO, CIBC, Wealthsimple, and any bank that exports spreadsheets.
Auto-Categorize
Smart rules automatically sort your expenses into T1 General categories like Vehicle, Office, Meals, and Travel.
Export Report
Download a CRA-compliant expense report ready for tax filing. HST amounts are calculated automatically.
HST Tracking
Automatic HST/GST calculation based on your province. We handle 5%, 13%, and 15% rates.
Bulk Categorization
Select multiple transactions and categorize them all at once. Save hours of manual work.
Duplicate Detection
We automatically detect and prevent duplicate transactions when you upload overlapping statements.
How it works
Three simple steps to organized expenses
Export your bank statement
Log into your online banking and download your transactions as a CSV or XLSX file. Supported for RBC, TD, Scotiabank, BMO, CIBC, and Wealthsimple.
Upload and review
Drop your CSV or XLSX file into ExpenseFlow. We automatically detect your bank format and categorize your expenses using smart rules.
Export for taxes
Download your categorized expenses as a CRA-compliant report. Share with your accountant or file yourself.
Built for Canadian tax rules
ExpenseFlow understands Canadian tax law so you don't have to. We handle HST calculations, T1 General categories, and provincial tax rates automatically.
- CRA T1 General expense categories
- Automatic HST/GST calculation by province
- Meal deduction rules (50% applied automatically)
- Vehicle expense tracking with CCA support
- Duplicate transaction detection
- Export to CSV for your accountant
HST recoverable: $892.21
Loved by contractors across Canada
See what other Canadian contractors are saying about ExpenseFlow
“ExpenseFlow saved me hours every tax season. I used to dread organizing receipts — now it takes minutes.”
Sarah M.
Freelance Developer, Toronto
“The auto-categorization is surprisingly accurate. It correctly identified my software subscriptions and travel expenses.”
James K.
IT Consultant, Vancouver
“Finally, an expense tracker that understands Canadian tax rules. The HST calculations alone make it worth it.”
Maria L.
Marketing Contractor, Ottawa
Frequently asked questions
How much does ExpenseFlow cost?
ExpenseFlow is free to use. Sign up and start tracking your expenses right away — no credit card required.
Which banks are supported?
We support RBC, TD Canada Trust, Scotiabank, BMO, CIBC, and Wealthsimple — and any other bank that lets you export transactions as CSV or XLSX (most Canadian banks do).
Is my data secure?
Absolutely. We use industry-standard encryption and never store your banking credentials. All data is stored in Canada on secure servers.
How accurate is the auto-categorization?
Our rules-based system achieves about 98% accuracy. You can always adjust categories manually and we continue to improve the rules.
Ready to simplify your expense tracking?
Join Canadian contractors who save hours on their taxes with ExpenseFlow. Free to get started, no credit card required.