{{error}}
🦺 WSIB is not activated for this company. Turn it on in the 🏛 Taxes tab if WSIB coverage applies.
👋 {{currentEntity?.name || 'Welcome'}}
Nothing recorded yet for this company. Tap ➕ Add to enter your first sale or expense, or import rows from your bank.
{{i}}
Recent activity
- {{a.date}} {{a.description}} — ${{Number(a.amount).toFixed(2)}} {{a.status}}
💬 Ask FinIQ
Ask in plain English, like "How much money came in?" or "What needs review?"
{{answer}}
➕ Add one transaction
A sale, a purchase, rent — one record at a time.
📥 Import many at once (CSV)
Paste rows from your bank export. Bad rows are reported, never silently changed.
- Row {{e.rowNumber}}: {{e.message}}
✅ Review transactions
Nothing here yet. Tap ➕ Add to record your first sale or expense.
Fix the category and status with the dropdowns, then hit 💾 Save. 🤖 AI suggest proposes a category — nothing changes unless you accept it.
{{describeSuggestion(s)}}
| Date | Type | Description | Amount | Category | Status | Actions |
|---|---|---|---|---|---|---|
| {{t.date}} | {{t.type === 'money_in' ? '💰 in' : t.type === 'money_out' ? '💸 out' : t.type}} | ${{Number(t.amount).toFixed(2)}} |
📸 Snap or upload an invoice / receipt
On your phone this opens the camera. On a computer, pick a photo or PDF file. Add the amount and FinIQ drafts the expense for your review. PDF files get read automatically right after upload.
Selected: {{invoiceFile.name}} ({{Math.ceil(invoiceFile.size / 1024)}} KB)
{{invoiceMessage}}
🧾 Invoice / receipt reading (OCR)
Photos and PDFs uploaded from the phone app land here. FinIQ reads text out of PDF files right on this server — nothing is sent to the internet, and nothing changes your records until you approve it.
{{ocrMessage}}
| File | Reading status | Action |
|---|---|---|
| {{d.originalFilename}} | {{ocrStatusLabel(d)}} |
Text read from {{extractPreview.filename}}
Check this text against the real document. Approve keeps it for records; Reject deletes the text (the file itself stays).
📂 Documents
| Filename | Type | Status | Action |
|---|---|---|---|
| {{d.originalFilename}} | {{d.documentType}} | {{d.status}} |
Paste a text receipt manually
{{documentMessage}}
👀 What {{assistantName}} noticed
Your helper watches how this company is being used and suggests what to do next. Everything below comes from your own records on this server.
Nothing needs attention right now for {{currentEntity?.name}}. 👍
{{o.detail}}
⚙️ What the helper is allowed to suggest
You control this for your tenants. Unticking a box hides that whole category of suggestion.
📚 CRA figure updates awaiting your approval
Once a day FinIQ checks official canada.ca pages for the figures that change each year. Nothing reaches your tenants until you approve it here. Pages are read as data only — never as instructions.
{{knowledgeMessage}}
| Figure | Currently | Found | Source | |
|---|---|---|---|---|
| {{p.label}} | {{p.currentValue}} | {{p.proposedValue}} | canada.ca |
🩺 System self-check
| {{c.status === 'ok' ? '✅' : '⚠️'}} {{c.name}} | {{c.detail}} |
🤖 {{assistantName}}
Ask anything about using the system, Canadian tax rules, or how to improve your business finances. Runs entirely on your own server — nothing is sent to any outside AI service, and it costs nothing to use.
{{assistant.reply.answer}}
- {{s}}
⚠️ {{assistant.reply.caution}}
Related:
{{assistant.reply.disclaimer}}
Knowledge base: {{assistant.reply.knowledgeVersion}}
📊 Financial reports
Pick how you want the numbers grouped, then build the report. Great for weekly check-ins, monthly closes, and year-end prep.
🏛 Accountant reports
A balance sheet shows what the company owns and owes on a date. A trial balance proves the books are in balance. Both are built from your records automatically.
Balance sheet {{ledger.asOf ? 'as of ' + ledger.asOf : '(today)'}}
What the company owns (assets)
| {{a.name}} | ${{a.amount.toFixed(2)}} |
| Total assets | ${{balanceSheetData.totals.assets.toFixed(2)}} |
What the company owes (liabilities)
| {{l.name}} | ${{l.amount.toFixed(2)}} |
| Total liabilities | ${{balanceSheetData.totals.liabilities.toFixed(2)}} |
Owner equity
| {{e.name}} | ${{e.amount.toFixed(2)}} |
| Total equity | ${{balanceSheetData.totals.equity.toFixed(2)}} |
{{balanceSheetData.balanced ? '✅ Books balance: assets = liabilities + equity' : '⚠️ Out of balance — tell your accountant'}}
Trial balance
| Account | Debit | Credit |
|---|---|---|
| {{r.code}} {{r.name}} | ${{r.debit.toFixed(2)}} | ${{r.credit.toFixed(2)}} |
| Totals | ${{trialBalanceData.totals.debit.toFixed(2)}} | ${{trialBalanceData.totals.credit.toFixed(2)}} |
✍️ Accountant: record a manual journal entry (opening balances, adjustments)
Used for opening balances, depreciation, and year-end adjustments. Debit and credit must be equal.
{{journal.message}}
| Period | 💰 Money in | 💸 Money out | Net | Where the money went |
|---|---|---|---|---|
| {{r.period}} | ${{r.moneyIn.toFixed(2)}} | ${{r.moneyOut.toFixed(2)}} | ${{r.net.toFixed(2)}} | {{Object.entries(r.byCategory).map(([k,v]) => k + ' $' + v.toFixed(2)).join(' · ')}} |
| Total | ${{report.totals.moneyIn.toFixed(2)}} | ${{report.totals.moneyOut.toFixed(2)}} | ${{report.totals.net.toFixed(2)}} |
🧠 Your financial advisor
FinIQ reads this company's recorded numbers and gives prioritized recommendations, plus legal Canadian tax-planning ideas to discuss with your accountant. It never acts on its own.
Recommendations
{{r.detail}}
💡 Legal tax-planning ideas (education)
{{t.idea}}
⚠️ {{t.caution}}
{{advisor.disclaimer}}
🏛 HST / GST balance
HST collected on sales minus HST paid on purchases (input tax credits). Record the HST portion when adding transactions. Works for companies marked HST-registered in the 🏢 Companies tab.
{{hst.message}}
| Period | Collected on sales | Paid on purchases | Net owed to CRA |
|---|---|---|---|
| {{r.period}} | ${{r.hstCollected.toFixed(2)}} | ${{r.hstPaid.toFixed(2)}} | ${{r.netHstDue.toFixed(2)}} |
🏦 Corporate income tax (live estimate)
Recalculated from your recorded profit every time this loads, for the fiscal year in progress. Set the company fiscal year end in 🏢 Companies so the period is right.
| Fiscal year | {{corpTax.fiscalYearStart}} → {{corpTax.fiscalYearEnd}} |
| Revenue (excluding HST) | ${{corpTax.revenue.toFixed(2)}} |
| Expenses including payroll | ${{corpTax.expenses.toFixed(2)}} |
| Profit this year | ${{corpTax.netIncome.toFixed(2)}} |
| At small business rate ({{corpTax.rateSmall}}%) | ${{corpTax.smallBusinessPortion.toFixed(2)}} |
| At general rate ({{corpTax.rateGeneral}}%) | ${{corpTax.generalPortion.toFixed(2)}} |
| Estimated tax | ${{corpTax.estimatedTax.toFixed(2)}} |
| Suggested monthly set-aside | ${{corpTax.suggestedMonthlySetAside.toFixed(2)}} |
{{corpTax.note}}
🦺 WSIB (workplace safety insurance)
Turn this on if WSIB coverage applies to this company. FinIQ then calculates your premium every period from recorded payroll, applying the annual per-worker cap. It never files or pays.
{{wsibMessage}}
Setup steps
{{s.detail}}
Premium report
| Period | Workers | Gross wages | Insurable | Premium owed |
|---|---|---|---|---|
| {{r.period}} | {{r.workers}} | ${{r.grossWages.toFixed(2)}} | ${{r.insurableEarnings.toFixed(2)}} | ${{r.premium.toFixed(2)}} |
👷 Payroll
Track pay for each employee. FinIQ computes net pay and the amount to remit to CRA each month. Records only — it never pays anyone or files anything.
Record a pay
{{payMessage}}
Pay history
| Date | Employee | Gross | Net pay |
|---|---|---|---|
| {{p.payDate}} | {{p.employeeName}} | ${{p.gross.toFixed(2)}} | ${{p.net.toFixed(2)}} |
📮 CRA remittance report
| Period | Gross | CPP (both) | EI (both) | Tax | Send to CRA |
|---|---|---|---|---|---|
| {{r.period}} | ${{r.gross.toFixed(2)}} | ${{(r.cppEmployee + r.cppEmployer).toFixed(2)}} | ${{(r.eiEmployee + r.eiEmployer).toFixed(2)}} | ${{r.incomeTax.toFixed(2)}} | ${{r.totalRemittance.toFixed(2)}} |
🛠 Operator console
Every customer organization on {{brand.name}}. Create them, set their limits and options, and send each one a private link to set up their own access.
{{operator.message}}
➕ New customer organization
🏢 Companies I can work in
Your companies group. You can only open the books of companies listed here — every other customer's financial data stays closed to you unless you enter support mode.
| Company | Organization | In my group |
|---|---|---|
| {{c.name}} | {{c.tenantName}} |
Organizations
{{t.name}} · {{t.plan || 'standard'}} · {{t.status}}
🏢 {{t.entityCount}} compan{{t.entityCount === 1 ? 'y' : 'ies'}} · 👥 {{t.userCount}} user(s) · 🧾 {{t.transactionCount}} record(s) · ✉️ {{t.pendingInvites}} invite(s) waiting
✉️ Send an access link
Creates a private one-time link. They open it, choose their own password, and land in their own dashboard. Works once, expires in 14 days.
{{inviteResult.link}}
🏢 Companies
Set each corporation's fiscal year-end (MM-DD, e.g. 12-31) and tick HST if it is HST-registered. Personal books (🔒) are visible only to you, always.
| Company | Fiscal year end | HST registered | |
|---|---|---|---|
| {{e.kind === 'personal' ? '🔒 ' : ''}}{{e.name}} |
{{userMessage}}
📦 Your organization data
Download everything for your organization in one file — companies, records, payroll, and document list. Your data is always yours.
🤝 Customers (organizations)
Onboard a new business onto FinIQ. This creates their organization, their first company, and an admin login for them. They manage their own staff and never see any other organization.
{{onboard.message}}
| Organization | Status | |
|---|---|---|
| {{t.name}} | {{t.status}} |
📤 Send to your accountant
Download spreadsheet files for the selected company. Choose dates (optional), then tap a button. Files download to your computer — FinIQ never emails or submits anything.
👥 Users & Access
Manage who can sign in and what they can see. Staff and accountants only see the companies you assign them. Passwords need 10+ characters with uppercase, lowercase, a number, and a special character.
🙋 My account
🔐 Two-step login
Two-step login is ON for your account.
Adds a 6-digit code from your phone on every sign-in. Strongly recommended.
{{twoFactorSetup.instructions}}
Setup key: {{twoFactorSetup.secret}}
{{userMessage}}
➕ Add a new user
All users
| Name | Role | Actions | |
|---|---|---|---|
| {{u.role}} |
❓ How to use {{brand.name}}
- 🏢 Choose company — pick Second Cup, Nay, or another company at the top.
- ➕ Add — enter a transaction or paste CSV rows from your bank.
- ✅ Review — fix category/status; use 🤖 AI suggest only as a helper.
- 📤 Exports — download accountant-ready spreadsheet files.
FinIQ organizes and explains; you approve every sensitive decision. It never moves money, files taxes, or contacts anyone.
🕒 Audit trail
Every important action is recorded here — who did what, and when.
| Time | Event | Summary |
|---|---|---|
| {{new Date(e.createdAt).toLocaleString()}} | {{e.eventType}} | {{e.summary}} |