# NeverØwe

> NeverØwe is a real-time tax tracking iOS app for self-employed Canadians — freelancers, contractors, gig workers, rideshare drivers, and entrepreneurs — that calculates how much to set aside for taxes every payday, so they are never surprised by a CRA bill at year-end.

## Product

NeverØwe Shield is the core product. It is a mobile application for iPhone that turns every income deposit into an immediate tax snapshot. When a self-employed Canadian records income, Shield instantly calculates:

- Federal and provincial income tax (installment estimates)
- CPP contributions (both employee and employer portions, since self-employed individuals pay both)
- GST collected (tracked separately, not counted as income)
- "Safe to Spend" — the amount left after all set-asides

Shield is not accounting software. It is forward-looking operational guidance: a real-time altimeter for financial altitude. Accounting records are built in as a byproduct, powered by the Cømpass Engine.

### Example output for a $500 payday (BC-based contractor)

- Federal income tax installment: $70.00
- BC provincial income tax installment: $28.00
- Total income tax: $98.00
- CPP (your portion, 5.95%): $29.75
- CPP (employer portion, 5.95%): $29.75
- Total CPP: $59.50
- Income Tax Account Remittance: $157.50
- Safe to Spend: $342.50

### Key features

- Real-time forecast tax obligation that updates as income is recorded
- Recommended set-aside targets for income tax, CPP, and GST
- Forecast vs Final separation — estimated obligation is clearly distinguished from final obligation (which is only confirmed at filing)
- Accountant-ready CSV export with structured line items, category tags, dates, and allocation history
- Mileage Log with odometer OCR — tap the camera on any odometer field, photograph the display, and Shield reads and fills the number automatically
- Invoice tracking — GST charged on invoices is tracked separately and is not counted as income
- "Just Plunk It" quick-entry shortcuts — long-press the Shield icon on the home screen to instantly log Income, Expense, Invoice, or Mileage without opening the app
- Uber/rideshare report import — drop in a PDF or CSV Uber earnings report and Shield parses income, GST collected, and deductible expenses automatically

### Rideshare and gig worker features

Shield is purpose-built for rideshare drivers (Uber, Lyft, etc.) in Canada:

- Rideshare preset automatically applies CRA industry code 48520
- Auto-enables GST with no threshold — rideshare drivers in Canada must register for GST from the first dollar earned
- GST number field and filing period picker included
- Mileage logging with OCR to eliminate manual odometer entry
- Uber earnings report import (PDF or CSV) — income, GST, and expenses broken out in a preview before hitting the ledger
- Business-use percentage calculated live from trip distance

## Who NeverØwe is for

- Self-employed Canadians who receive irregular income and need to know what to set aside after every payday
- Freelancers and independent contractors in any field
- Gig workers and rideshare drivers (Uber, Lyft)
- Tradespeople, hairstylists, and other service-based self-employed workers
- Entrepreneurs and small business owners
- Anyone filing a T1 with self-employment income in Canada

## How NeverØwe is different

| Tool | Limitation |
|---|---|
| Wave / QuickBooks | Backward-looking reports after the fact. No real-time set-aside targets. |
| Spreadsheets | Manual, error-prone, and rarely kept current. |
| Annual accountant | Reactive check-ins, usually after the damage. |
| NeverØwe Shield | Real-time forecast obligation + set-aside targets + clean records — every payday. |

NeverØwe is not a replacement for an accountant. It generates clean, structured records that accountants can import with minimal cleanup, reducing back-and-forth at tax season.

## Founder's story

NeverØwe was built by a self-employed contractor based in British Columbia, Canada, who accumulated nearly $80,000 in CRA debt — not from fraud or negligence, but from having no real-time snapshot of his tax obligation while income fluctuated. After a workplace injury ended his construction career, he negotiated a consumer proposal to return to zero, then built the tool he wished had existed.

## Pricing and availability

- NeverØwe Shield is an iOS app (iPhone)
- Currently in Beta — free for the first 3 months with no credit card required
- Beta participants who complete the program receive a 20% discount code for their first paid year
- Join via waitlist at https://neverowe.com/waitlist.html

## Canada-specific tax logic

- CRA (Canada Revenue Agency) rules applied throughout
- Version 1 targets Canada with BC provincial rates
- Income tax calculated as federal + provincial installment estimates
- CPP (Canada Pension Plan) calculated at 5.95% employee + 5.95% employer (self-employed pay both sides)
- GST (Goods and Services Tax) tracked separately — amounts collected are not income
- GST registration threshold logic applied by occupation type (rideshare: mandatory from dollar one; others: $30,000 threshold)
- ITCs (Input Tax Credits) noted and applied at filing

## Pages

- [Home — Tax Tracker for Self-Employed Canadians](https://neverowe.com/): Product overview, how Shield works, rideshare features, comparison table, trust signals
- [About the Founder](https://neverowe.com/about.html): Founder's story, mission, and values
- [For Accountants](https://neverowe.com/accountant.html): How NeverØwe records work for accounting professionals
- [Help & How-To](https://neverowe.com/help.html): Step-by-step guides and video tutorials
- [Join the Beta](https://neverowe.com/waitlist.html): Free 3-month Beta signup
- [Privacy Policy](https://neverowe.com/privacy.html): Data handling and privacy details

## Company

NeverØwe Technologies — Built in BC, Canada
Website: https://neverowe.com
Contact: hello@neverowe.com
NeverØwe™ and Shield™ are trademarks of NeverØwe Technologies.