Salary vs dividend planning

AI salary vs dividend planning for Canadian CPAs

Compare owner-manager remuneration scenarios side by side — salary, eligible and non-eligible dividends, and mixes — targeting after-tax cash or corporate balance objectives.

How it works

1. Step 1

   Upload the client's numbers

   Attach a simple inputs file: province, corporate income, cash need, GRIP/RDTOH balances.

2. Step 2

   Scenarios compute

   Salary, dividend, and mixed scenarios run deterministically at current rates.

3. Step 3

   Compare after-tax cash

   Review the net-cash comparison with corporate and personal results and planning notes.

What you get

• Net cash comparison
• Corporate/personal results
• Planning notes

Frequently asked questions

Does it consider RDTOH refunds and GRIP?

Yes. Scenarios account for eligible vs non-eligible dividends against GRIP, and dividend refunds from NERDTOH/ERDTOH, and show the balances each scenario consumes.

Is this tax advice?

No — it's planning support. The comparison gives a CPA the quantitative starting point; the recommendation is yours.

Is the output generated by an LLM?

No. The workpaper numbers are computed by deterministic spreadsheet logic — the same inputs always produce the same outputs. AI is only used to route your request and explain the results, so every figure is traceable to source rows.

What happens to my uploaded file?

Files are processed to build your workpaper and stay attached to your private conversation. They are not used to train models.