Invoice the draw. Hold the holdback. Don’t guess the HST.

Phone-first progress invoices for trades. Statutory holdback by province. Tax on the gross before you subtract holdback. Interac e-Transfer on the PDF. Works offline in the truck.

Write an invoice 2026 rates cheat sheet

Holdback calculator

This is the ad page. Same math as the invoice. Not tax or legal advice.

This-draw gross (CAD, before tax) Province of the job

NB Crown bonded job (5% holdback)

What it is

A static page on your phone. Jobs and invoices live in this browser (IndexedDB). No account. No card processing. You get paid by Interac e-Transfer, the way the trade actually gets paid.

Progress invoice: labour vs materials, contract value, draw #, previously billed, this draw.
Site address and billing address. Legal name. GST/HST number if you have one.
Holdback % and release window from a verified provincial table. Unverified jurisdictions are marked and left blank.
Tax on the gross. Amount due now = gross + tax − holdback. Holdback due later, with a date.
Holdback release invoice for the same job, later.
PDF download. Offline after the first load.

What it is not

Not quotes, change orders, timesheets, T5018, T2125, bank sync, AI writing, US retainage, QuickBooks, or “CRA-approved.” Fieldledger will not take payment from your customer. Polar checkout is a real $29 CAD/month link.

$29 CAD/month

Owner is a silent partner in New Brunswick. Sources fetched 2026-08-26. See SOURCES.md and README.