Lunio
Canada-First Invoicing

Get Paid Faster, Stay GST/HST Ready.

Create professional Canadian invoices & estimates, track client payments, and automate province-aware sales tax in seconds. Built specifically for contractors, freelancers, and local service businesses.

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Province-aware tax engine

Invoicing Tailored For Your Industry:

🔨 Contractors ⚡ Electricians 🌱 Landscapers 💼 Consultants & Services
app.lunio.ca/invoices/INV-2026-089
L

Lunio Design Co.

Toronto, ON
Paid

INV-2026-089

Billed To

Boreal Development Inc.

100 Yonge St, Toronto, ON

Description Amount
Electrical Site Work (15 hours) $1,200.00
Materials & Fixtures $450.00
Subtotal: $1,650.00
13% HST (ON): $214.50
Total: $1,864.50
✓ Deposited via credit card on Jun 8, 2026

Designed to align with Canadian accounting and security standards

🍁 GST/HST Compliant Auto-calculated by province
💳 Stripe Verified Partner Secure card processing
📄 CRA-Ready Reporting Exportable tax summaries
🔒 256-bit Encryption Bank-level data security
🎨 Pro Invoice Templates Clean, bold & trades layout
Capabilities

Invoicing tools built to get you paid.

Everything you need to handle quotes, invoices, payments, and sales tax filings without wrestling with spreadsheet formulas.

🧾

Professional Invoices

Create clean, brand-matched invoices in minutes. Support for custom colors, terms, and auto-generated PDFs.

📋

Smart Estimates

Quote new jobs and request upfront approvals. Convert approved quotes into active invoices with a single click.

📉

Expense Logging

Record materials, travel, and operational costs. Categorize expenses to see exactly where your revenue goes.

👥

Client Directory

Keep contact history, billing locations, and balances in one secure view. No more digging through messages.

⚡

Instant Online Payments

Accept credit cards and Apple Pay directly via Stripe integration. Get paid immediately upon client viewing.

🍁

Canadian Tax Summaries

Track collected GST/HST, PST, or QST automatically. Export tax-ready reports to make filing stress-free.

Why Lunio

Built for Canada. Designed for Simplicity.

Generic accounting platforms are bloated, expensive, and built for the US market. Lunio gives Canadian self-employed professionals a focused invoicing tool without the accounting overhead.

🍁

100% Canadian-First

No US-centric tax terms, formatting quirks, or default currencies. Lunio is built specifically to respect Canadian billing rules, addresses, and CRA reporting.

⚖️

Province-Aware Tax Engine

Automate sales tax calculations. Lunio automatically determines and applies the correct GST, HST, PST, or QST based on your client's supply province.

⚡

Calm Invoicing Workflow

Draft professional quotes, send clean PDF invoices, and log client payments in seconds. Save hours of manual entry every week so you can get back to your trade.

🚫

Zero Ledger Bloat

You don't need double-entry ledger bookkeeping, chart of accounts, or accounting jargon. Lunio focuses strictly on billing clients and tracking cash flow simply.

🔗

Secure Client Links

Send secure, responsive web links directly to clients. They can view, print, download PDFs, and pay their invoice instantly from any device.

👥

Integrated Client Hub

Accept credit cards and Apple Pay in one click. Track outstanding balances, client details, and transaction history in one centralized directory.

Tailored Solutions

Built for your specific trade.

Custom invoice layouts and pre-configured sales tax settings matching the exact workflows of popular Canadian industries.

🔨

Contractors Invoicing

Manage progress billing milestones, upfront material deposits, and subcontractor expense logs cleanly.

Explore Contractor tools →
⚡

Electricians & HVAC

Invoice service calls, diagnostics, furnace/AC repairs, and installation quotes while on-site.

Explore Electrician tools →
🌱

Landscapers & Snow

Bill flat-rate seasonal maintenance contracts, per-push clearing rates, and design quotes.

Explore Landscaping tools →
💼

Consultants & Agency

Send hourly billing links, manage retainer deposits, and keep client account balances clear.

Explore Professional tools →
🔧

Service & Trades

Perfect for handymen, plumbers, painters, and cleaning services. Quick mobile invoicing for any local job.

Explore Service Trades →

13

Provinces & Territories

Province-aware tax rates applied automatically (GST/HST/PST/QST)

Instant

PDF Invoices

Generate clean, professional, CRA-ready PDFs with one click

100%

Canadian Focused

Tailored to Canadian independent professionals, zero US bloat

Stripe

Online Payments

Accept credit cards and Apple Pay directly via secure client links

Comparison

Designed to be simple. Built for Canada.

Why Canadian freelancers and contractors choose Lunio over bloated accounting systems.

Feature Lunio Wave Invoicing QuickBooks
Canadian sales tax engine (GST/HST/PST/QST) ✓ Automatic by province Manual setup required Complex rules setup
Interface complexity ⚡ Calm & Focused (No bloat) Moderate High (requires accountant)
Pro branding customization ✓ Included on Pro Limited options Standard templates
Estimates & invoices connection ✓ 1-Click convert Supported Supported
Monthly Cost (CAD) Free / Affordable Pro Free tier / High transaction fees Starts at $22/mo + addons

Swipe horizontally to view full comparison →

Customer Success

Loved by Canadian small businesses.

See how self-employed professionals across Canada use Lunio to clear out invoicing admin.

★★★★★

"Drafting estimates used to take me hours every Sunday night. With Lunio, I can quote a framing job right from my truck, send it via a public link, and convert it to a deposit invoice the second the client approves it."

LM

Liam Macdonald

Macdonald Woodworking (Halifax, NS)

★★★★★

"Tracking GST and provincial taxes across Western Canada was a headache. Lunio calculates the correct rate dynamically based on my client's address, and the Tax Stash tells me exactly how much to set aside."

SK

Sarah Krahn

Krahn Landscape Design (Calgary, AB)

★★★★★

"In Quebec we deal with QST and GST, which US platforms struggle to calculate. Lunio handles QST calculations flawlessly, and my clients pay the invoices immediately online via Stripe. I get paid much faster."

DT

David Tremblay

Tremblay Electrical Services (Montreal, QC)

Fair Pricing

Start invoicing for free.
Upgrade as you grow.

Create up to 10 invoices per month on our standard free plan. Upgrade to Pro when you need unlimited invoices, custom color branding, advanced estimates, and comprehensive provincial sales tax reports.

✓

Free Plan

10 invoices/month, basic invoice creation. Upgrade for unlimited invoices & premium branding.

✓

Pro Plan

Unlimited invoices, premium templates, custom branding, automatic reminders, and online payments.

Lunio Pro Plan

Canada-First Invoicing

Say goodbye to complex spreadsheets. Get complete access to professional branding templates and quarterly tax reporting.

View Invoicing Plans

Risk-free trial. Cancel any time.

FAQ

Frequently Asked Questions

Answers to common invoicing, payments, and sales tax questions from Canadian self-employed professionals.

Do I need to register for and charge GST/HST in Canada?
In Canada, you are required to register for and collect GST/HST if your gross taxable revenues from all your businesses exceed the small supplier threshold of $30,000 in a single calendar quarter or over four consecutive calendar quarters. If you are below this threshold, you are considered a "small supplier" and do not have to register, though you can choose to do so voluntarily to claim Input Tax Credits (ITCs) on business expenses.
Does Lunio calculate Canadian sales taxes automatically?
Yes. Lunio features a built-in province-aware tax engine. When you create an invoice or estimate and select a client's provincial supply location, Lunio automatically applies the correct sales tax rate—whether it is HST (Ontario's 13% or Atlantic Canada's 15%), GST (5% in Alberta and BC), QST in Quebec, or PST (in British Columbia, Saskatchewan, or Manitoba).
Can my clients pay their invoices online?
Yes. You can connect your Stripe account to Lunio with a single click. Once connected, your clients can pay their invoices instantly online via credit card (Visa, Mastercard, AMEX) or Apple Pay when they view their secure, public invoice link. Funds are deposited directly to your bank account.
Is there a free plan, and what are its limits?
Yes. Lunio offers a Free plan designed for new freelancers and small business start-ups. The Free plan allows you to create and send up to 10 invoices per month. To send unlimited invoices, customize templates, add premium branding, and unlock automatic payment reminders, you can upgrade to the Pro plan at any time.
Can I add my logo and customize my invoices?
Yes. On the Pro plan, you can upload your business logo, choose your brand accent color, and select from multiple clean, professional layout styles (including a custom layout for trades). This ensures all your client-facing communications align with your professional brand.
Can I create professional estimates and quotes?
Yes, Lunio fully supports estimates. You can draft detailed project quotes and send them to clients for approval. Once approved, you can convert the estimate into a billable invoice with a single click, eliminating the need to re-enter description items or prices.
Can I export invoices as PDF files?
Absolutely. Every invoice and estimate generated in Lunio can be downloaded as a high-quality, professional PDF. You can print them out, keep them for your physical records, or manually attach them to emails.
Can I use Lunio on my mobile phone?
Yes. Lunio is fully mobile-responsive. You can create invoices, log business expenses, send estimates, and check your dashboard directly from your iPhone, Android, or tablet while on a job site, in your vehicle, or at home.
Which Canadian provinces and territories are supported?
All of them. Lunio fully supports all 10 provinces and 3 territories, adapting calculations dynamically for HST (Ontario, Nova Scotia, New Brunswick, PEI, Newfoundland & Labrador), GST-only regions (Alberta, Yukon, Nunavut, Northwest Territories), and combined GST+PST/QST systems (British Columbia, Saskatchewan, Manitoba, and Quebec).
How does payment tracking work?
When you send an invoice link, you can track its status in real-time (sent, viewed, outstanding, or paid). For online credit card payments, status updates to "Paid" automatically. For cash, cheque, or e-Transfer payments, you can log the receipt manually with one click.
Get Started

Simplify your invoicing
and tax filing today.

Join self-employed Canadians who use Lunio to save time on invoicing, estimates, and GST/HST compliance.

Create Free Account View Pricing Plans

Free tier includes 10 invoices per month. No credit card required to start.