22 pocket-sized reference cards. One topic each. Printable and laminatable.
The quick-reference stuff you always forget when you need it. Free to use and print.
Every card is designed to print cleanly on one page. Hit the print button on any card, laminate it, and stick it where you need it - van glovebox, cabin wall, toolbox lid, first aid kit.
licensing
Red Seal & Compulsory Trades by Province
The Red Seal is a national endorsement -- not a licence -- that supports moving your trade between provinces. The trade count, and how many trades each province makes COMPULSORY (you cannot work them without certification).
Electrical & Gas Permit Authorities by Province
Who you actually pull an electrical or gas permit from is not the same body in every province -- and sending a gasfitter to the wrong one wastes a day. The authority for the provinces where it is non-obvious.
Building Codes -- Which Code, In Force When
Canada has a National Building Code, but the provinces adopt their own versions on their own timelines -- and one city writes its own entirely. The current code and in-force date where it matters.
payment
Builders' Lien -- Deadline & Holdback (All 13)
A builders' lien is your security for getting paid -- but every province runs its own clock, and miss it and the right is gone. The preservation deadline and the statutory holdback for every jurisdiction.
Prompt-Payment Status by Jurisdiction
Prompt-payment and adjudication laws set strict pay clocks on construction -- but only some provinces have them in force. Where the law actually applies right now.
safety
legal
Small Claims Limits by Jurisdiction (All 13)
The most you can sue for in small claims court before you need the higher (and far more expensive) court. The limit for every province and territory.
Limitation Periods by Jurisdiction (All 13)
How long you have to start a lawsuit -- the basic clock (usually from when you discover the problem) and the ultimate backstop. Sue late and the claim is dead, no matter how strong.
tax
Sales Tax by Province & Territory (All 13)
GST, HST, QST, PST, RST -- the combined rate you charge depends entirely on where the work is. Every province and territory, with the make-up so you know which tax you are collecting.
GST/HST Quick-Method Remittance Rates
The Quick Method lets a small business remit a flat percentage of GST/HST-included sales instead of tracking every input tax credit. The same-province services rates, and who can use it.
GST/HST Registration -- Thresholds & Timing
When you stop being a small supplier and must register, and how fast. Get the timing wrong and CRA can backdate your obligation.
Federal Income-Tax Brackets 2026
The federal marginal rates for 2026 -- with the lowest rate cut from 15% to 14% on 1 January 2026. Provincial tax sits on top of these.
Basic Personal Amount 2026
The income you can earn before any federal tax applies. It tapers for higher earners, so there is a maximum and a minimum.
CPP & CPP2 2026 -- Rates & Maximums
The Canada Pension Plan, plus the second earnings tier (CPP2). The rates and dollar maximums for 2026 -- and why self-employed pay double.
EI for the Self-Employed -- Opt-In
Self-employed Canadians can opt into EI special benefits (sickness, maternity/parental, caregiving). The premium rate, the maximum, and the Quebec difference.
CRA Per-Kilometre Rates 2026
The reasonable per-kilometre allowance for business driving -- the rate that steps down after 5,000 km, plus the northern top-up.
Vehicle Expense Caps 2026
CRA caps how much loan interest and lease cost you can deduct on a passenger vehicle. The 2026 monthly limits -- updated, so you are not working off the old numbers.
CCA Classes -- Depreciating Your Gear
Capital Cost Allowance is how you write equipment off over time. The classes a tradesperson hits most, the rate for each, and the Class 10.1 cap on a pricey vehicle.
Tax Instalments -- Trigger & Due Dates
When CRA expects you to pay tax in quarterly instalments instead of one lump sum, and the four dates.
Registered-Plan Limits 2026 (RRSP / TFSA / FHSA)
The 2026 contribution room for the tax-shelter accounts -- plus the trade-specific tool deduction.
Key Filing Dates -- Self-Employed
The two dates that catch self-employed people out: the filing deadline is later than salaried workers, but the PAYMENT deadline is not.
rates
Print the lot
Every card prints cleanly on one page.
Stick them where they matter
Cabin wall. Van glovebox. Toolbox lid. First aid kit.
Missing a card?
Email hello@kilnguides.co.uk.