Free Canadian Payroll
for Small Businesses

Yes, BeanFlow Payroll is 100% free for Canadian small businesses — no monthly fees, no per-employee charges, no credit card required, and no trial period. Unlike Wagepoint ($20–40/month + $4–6/employee) or QuickBooks Payroll (requires a paid QBO subscription), BeanFlow is free with full functionality including CPP, EI, and income tax calculations for all 13 provinces and territories.

BeanFlow uses the latest CRA payroll deduction formulas from guides T4127 and T4032 to calculate CPP (including CPP2), EI, and QPP/QPIP for Quebec employees. All calculations are validated against CRA-published examples with 2,600+ automated tests. The system automatically applies annual maximums, basic exemptions, and pro-rated amounts based on pay frequency.

BeanFlow supports all 13 Canadian provinces and territories: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, and Yukon. Each jurisdiction's specific tax brackets, surtaxes, health premiums, and employment standards are built in.

Yes. BeanFlow generates T4 and T4A slips for year-end filing, with all required boxes pre-filled based on your payroll history. ROE (Record of Employment) generation is also included for employee departures. PD7A remittance reports are automatically calculated so you never miss a CRA deadline.

BeanFlow is completely free with no employee limits. Wagepoint charges $20–40/month plus $4–6 per employee. Wave Payroll is no longer free (Wave was acquired and increased prices). BeanFlow also includes features that competitors charge extra for: T4 generation, ROE filing, vacation pay tracking, statutory holiday management, and group benefits/deductions — all at no cost.

Running payroll takes 3 steps: (1) Add your employees with their pay rate, province, and tax information; (2) Select the pay period, review the calculated CPP, EI, and tax amounts, then approve; (3) Download paystubs for employees and PD7A reports for CRA remittance. The entire process typically takes under 5 minutes per pay run.

Yes. BeanFlow automatically calculates vacation pay based on province-specific rates (4–6% depending on jurisdiction and years of service). Statutory holiday pay is calculated per provincial employment standards. You can configure vacation accrual (percentage-based or days-based) and track balances per employee.

BeanFlow calculates all mandatory Canadian payroll deductions: CPP/QPP contributions (employee and employer portions), EI premiums, federal income tax, provincial income tax, and where applicable, provincial health premiums (Ontario EHT, Quebec QPIP). You can also set up custom deductions for group benefits, RRSP contributions, union dues, and more.

Yes. All data is encrypted in transit (TLS) and at rest. BeanFlow uses Google Cloud infrastructure with enterprise-grade security. Your financial data is yours — we don't sell or share it. Authentication is handled through Google Sign-In with industry-standard OAuth 2.0.

Sign up for free at payroll.beanflow.ai, set up your company and pay groups, then add your employees. You can enter current YTD (year-to-date) balances for CPP, EI, and tax withholdings so mid-year transitions are seamless. No data migration tool is needed — the setup wizard guides you through each step in about 15 minutes.