About UsPricingReviewsContact UsClient Portal loginBook a Free 30-Min Call
About UsPricingReviewsContact UsClient Portal loginBook a Free 30-Min Call
Services
Get caught up
Catch-Up BookkeepingFrom $1,800Books & payroll
BookkeepingFrom $350/monthPayrollGet a quoteSR&ED ClaimsEnd-to-end SR&ED claims, quoted after consultationSR&ED for Software CompaniesQuoted after consultationSR&ED-Ready BookkeepingBooks + T2 for SR&ED claimsTax filing
Corporate Tax (T2)From $800 · nil T2 from $249GST/HST Filing$150 per returnPersonal Tax (T1)From $110 · students from $49Sole Proprietor Tax (T1 + T2125)From $300Start & grow
IncorporationFrom $499 + gov feesVirtual CFOFrom $2,500/monthAI Consulting & AutomationFor small businessesIndustries
Construction & tradesConsultantsTech startupsReal estateHealthcareSee all industries →More
PricingService areasAll services →CPA-Led, Flat-Rate Accounting and Tax for Regina Businesses
T-Ledgers is a CPA-led accounting firm working remotely with Regina businesses, professionals, trades, ag service companies, landlords and self-employed people, from downtown and the Warehouse District to Harbour Landing and the east end. We do bookkeeping, catch-up work, corporate (T2) and personal (T1) tax, GST and PST, and payroll on flat fees quoted before we start.
- CPA, FCCA · CPA Ontario #77000292
- Flat fees, no surprise bills
- Regina clients served remotely
Wajahat Ajmal, CPA, FCCA | CPA Ontario member #77000292 (verify my licence) | 202 clients served | $60 million in client revenue managed | Flat fees, no surprise bills | Reply within one business day | QuickBooks Online, Xero and Dext | Read our Google reviews
Regina is a government and head-office city, but much of its small business base serves agriculture, energy and potash: equipment dealers and repair shops, trucking, crop input suppliers, engineering consultants and the trades. Add the professional practices and restaurants that serve a city of public servants and students, and you get a lot of businesses juggling two sales taxes and a year that peaks around seeding and harvest. T-Ledgers keeps the books current through all of it, on flat fees.
I’m Wajahat Ajmal, CPA, FCCA, practising since 2020. We do not have an office in Regina. We work with Regina clients by phone, video, email and a secure client portal.
On this page: Services and prices · Regina rules · Saskatchewan tax · Voluntary disclosure · Why T-Ledgers · FAQ
Accounting services and prices for Regina businesses
Every service is quoted at a flat rate before we start. These are starting prices, + HST/GST. Saskatchewan clients pay 5% GST on our fees, and 6% Saskatchewan PST may also apply to accounting services that relate to Saskatchewan (Bulletin PST-62). If you are GST-registered you can usually claim the GST back as an input tax credit. You get the exact figure in writing after a free call.
← Swipe to compare →
| Service | Starting price | What it covers |
|---|---|---|
| Catch-up bookkeeping and back taxes | From $1,800 per year + HST/GST | Priced per year: missing years rebuilt from bank and card statements, with the overdue GST and PST returns and the T2 for each year filed in the right order. Personal T1 returns are quoted separately. Final flat price confirmed after we see what is missing. |
| Bookkeeping | From $350/month (quarterly); monthly bookkeeping from $500/month, + HST/GST | Reconciliations, GST and PST returns and year-end-ready books in QuickBooks Online or Xero, reviewed by a CPA. |
| Corporate tax (T2) | From $800 + HST/GST | Year-end financial statements and your T2, including the Saskatchewan schedules. Nil returns for inactive corporations from $249. |
| Personal tax (T1) | Student $49; regular from $110 + HST/GST | Employees, students, landlords and owner-managers, with Saskatchewan credits included. |
| Sole proprietor tax (T1 + T2125) | From $300 + HST/GST | Your personal return plus the T2125 business statement, with GST and PST and instalments checked. |
| Payroll | Quoted after consultation | Pay runs, CRA source deductions, WCB Saskatchewan reporting, T4s and ROEs. |
| GST/HST returns | $150 per return + HST/GST | Quarterly or annual GST/HST returns prepared from your books, with input tax credits checked before filing. |
| Virtual CFO | From $2,500/month + HST/GST | Cash flow forecasts, budgets, KPI reporting and monthly CFO meetings for growing companies. |
| SR&ED claims | Quoted after consultation | End-to-end SR&ED claims: eligibility review, project write-ups, the T661 claim form and the T2 filing, plus CRA review support. See SR&ED for software companies. |
| Incorporation | Quoted separately | Our incorporation service is for Ontario-based businesses. If your Saskatchewan corporation is already registered, we take it from there. Registrations in other provinces are quoted separately. |
Service pages: bookkeeping · catch-up bookkeeping · corporate tax · payroll · GST/HST · personal tax · virtual CFO
Most incorporated Regina clients take monthly bookkeeping plus a T2, with the owner’s T1 alongside. GST/HST returns on their own are $150 per return + HST/GST. See all packages and pricing.
Regina rules that show up in your books
In Regina you deal with the City of Regina, the Province of Saskatchewan and the CRA. Here is what comes up most in the books. (Official sources checked October 2026.)
← Swipe to compare →
| Rule | Who it affects | Official source |
|---|---|---|
| City of Regina business licence | Home-based businesses need a residential business licence ($195 a year), and businesses based outside Regina that work in the city need a non-resident business licence ($450). Businesses in premises that pay commercial or industrial property tax are exempt from the general licence. | City of Regina business licences |
| Short-term accommodation licence | Paid stays of under 30 days need a City licence: $100 a year for a principal residence and $300 for a secondary property. The licence number must appear in listings, and the City has paused new secondary-property licences while the rental vacancy rate is below 3%. | City of Regina short-term accommodation licences |
Law: City of Regina licensing bylaws; The Residential Short Term Accommodation Licensing Bylaw, No. 2020-70; The Provincial Sales Tax Act (Saskatchewan).
Saskatchewan tax rules every Regina business deals with
← Swipe to compare →
| Rule | What it means | Official source |
|---|---|---|
| GST 5% plus 6% Saskatchewan PST | GST registration is required once taxable revenue passes $30,000 in a calendar quarter or over four consecutive quarters. Saskatchewan PST is separate, with its own registration and returns. | CRA GST/HST rates page and Saskatchewan PST |
| Saskatchewan small business rate: 1% up to $600,000 | Canadian-controlled private corporations pay 1% Saskatchewan tax on the first $600,000 of active business income. The federal limit is $500,000, so the combined rate is 10% up to $500,000 and 16% on the next $100,000. The general rate is 12% (27% combined). | CRA corporation tax rates |
| PST on accounting services | Saskatchewan Bulletin PST-62 treats many accounting services that relate to Saskatchewan as taxable at 6% PST. Check it when you budget for any professional fees, not just ours. | Bulletin PST-62, Accounting Services |
| WCB Saskatchewan coverage | Most Saskatchewan employers in covered industries must register with the Saskatchewan Workers' Compensation Board and report payroll each year. | WCB Saskatchewan |
| Saskatchewan annual return | Every Saskatchewan corporation files an annual return with ISC (the Corporate Registry) by the end of the month after its anniversary month. A corporation that stays overdue can be struck off the register. | Saskatchewan Corporate Registry |
Saskatchewan has no employer health tax. The $600,000 provincial limit is higher than the federal $500,000, which matters when profit lands between the two: that slice is taxed at 16% combined, not 10%. More in our guides to corporate tax rates in Canada and GST/HST filing deadlines.
Law: Excise Tax Act s.165 (GST); Excise Tax Act s.240(1) (registration required); Income Tax Act s.125(1) (small business deduction); The Provincial Sales Tax Act (Saskatchewan).
Behind on your books? Catch-up is our speciality
If you are a few years behind, you are not unusual, and it is fixable. We start with your bank and credit card statements, rebuild the oldest year first, then file what is outstanding in the right order: GST and PST returns, T2s and personal returns. If the CRA has sent letters or estimated assessments, we deal with them as part of the job. Penalties and interest keep growing until you file, so waiting rarely helps.
Catch-up work is priced per year, from $1,800 per year + HST/GST. See catch-up bookkeeping, back tax filing and a real file in our catch-up case study.
Behind with the CRA? Voluntary disclosure
If you have unfiled returns or income you never reported, the CRA’s Voluntary Disclosures Program (VDP) lets you correct it before the CRA contacts you, with relief on penalties and part of the interest. Many Regina owners come to us only after a CRA letter arrives; coming forward first usually gets a better result.
- The law behind it: the CRA can waive or cancel penalties and interest for up to 10 calendar years back under Income Tax Act s.220(3.1) (income tax) and Excise Tax Act s.281.1 (GST/HST). The VDP is how the CRA applies that power to people who come forward.
- Unprompted applications (no CRA contact about the issue yet) normally get 100% penalty relief and 75% interest relief. Prompted applications (after a CRA letter that names a specific error or sets a deadline) normally get up to 100% penalty relief and 25% interest relief. These rules apply to applications received on or after October 1, 2025 (CRA Information Circular IC00-1R7).
- Who qualifies: you must apply before an audit or investigation starts, include all the corrected returns and documents, be at least one year or one reporting period past the due date, and pay the estimated tax or ask for a payment arrangement (CRA’s VDP eligibility page).
The CRA program covers your income tax and GST. Saskatchewan PST is administered by the Saskatchewan Ministry of Finance, so late PST returns are handled separately; we deal with both.
We rebuild the missing years, prepare the corrected T1, T2 and GST/HST returns, and file them with Form RC199 so the CRA reviews everything together. Pricing depends on how many years are involved and is part of our catch-up bookkeeping quote, which starts from $1,800 per year + HST/GST. The CRA decides each application case by case, so relief is never guaranteed.
Law: Income Tax Act s.150(1) (filing deadlines); Income Tax Act s.162(1) (late-filing penalty); Income Tax Act s.161(1) (interest on unpaid tax); Income Tax Act s.152(7) (assessment not dependent on return); Excise Tax Act s.238(1) (GST/HST returns).
Why Regina owners work with T-Ledgers
A CPA on every file
I review the work before anything goes to the CRA. Nothing is filed without my sign-off.
Flat fees in writing
You get the price before we start. If the scope changes, we agree the new price with you first.
Replies within one business day
Tell us if a CRA deadline is close and we will put it first.
Cloud tools
QuickBooks Online or Xero for the books and Dext for receipts. We take over your file or set one up.
Remote by design
Regina clients work with us by phone, video, email and a secure client portal. There is no office visit to book.
Hours that fit
Monday to Friday 9 a.m. to 8 p.m. ET, Saturday 10 a.m. to 4 p.m. ET. Saskatchewan does not change its clocks, so that is 8 a.m. to 7 p.m. local time on weekdays in winter and 7 a.m. to 6 p.m. in summer.
T-Ledgers vs a traditional Regina firm vs DIY
← Swipe to compare →
| T-Ledgers | Traditional local firm | DIY with software | |
|---|---|---|---|
| Pricing | Flat fee quoted in writing before we start, + HST/GST. No surprise bills. | Often hourly, or a quote that grows with "extra" work | Software subscription, plus your evenings |
| Who does the work | Led and reviewed by a CPA, FCCA | Varies: partner, staff accountant or bookkeeper | You |
| Behind on filings | Catch-up is our speciality; we file in the right order | Some firms decline messy or multi-year files | Hard to know where to start |
| Reply time | Within one business day | Varies | Not applicable |
| Meetings | Phone, video, email and a secure portal; no office visits needed | In person, usually office hours | None |
Who we work with in Regina
- Agriculture and equipment services: dealers, repair shops and crop service businesses, with seasonal cash flow, inventory and PST exemptions handled correctly.
- Trucking and logistics: owner-operators and small fleets, with fuel, per-kilometre costs and GST input tax credits.
- Engineering and consulting firms: project-based billing, WIP and salary-versus-dividend planning.
- Trades and construction: contractors and renovators, with T5018 slips, holdbacks and WCB Saskatchewan.
- Health and professional corporations: physicians, dentists, physiotherapists and other professionals.
- Landlords and self-employed people: rental schedules, short-term rental income, T2125 income and instalments.
Saskatchewan’s $600,000 small business limit is higher than the federal limit. If your corporation’s profit lands between $500,000 and $600,000, we will show you what that slice costs before year-end.
How it works
- Free 30-minute call. What is filed, what is not, and what you need. Straight answers even if you do not hire us.
- Fixed quote in writing. If the scope changes later, we agree the new price with you before doing the extra work.
- Secure onboarding. We connect your bank feeds, set up or take over QuickBooks Online or Xero, and get you on Dext so receipts go in with a photo.
- Monthly and year-end delivery. Books kept current, GST and PST filed on time, and your T2 and T1 prepared at year-end.
Meet your CPA
Wajahat Ajmal, CPA, FCCA, Founder
I started my career in audit at KPMG, which taught me to go back to the source and reconcile everything before anything gets filed. I later worked as an independent contractor for a tax filing company. I’ve practised in Canada since 2020 and founded T-Ledgers in 2023.
I’m a CPA Ontario member (#77000292), also registered with CPA BC (#C77000292), and a Fellow of ACCA. You can verify my CPA Ontario membership in the public directory, or read more on our About page.
Client results
“I was behind a few years on filing and my situation was a little complicated but he handled everything great and did all the communicating with the CRA so that I didnt have to.”
Google review, catch-up filing client
Read all our Google reviews or see our case studies.
Frequently asked questions
No. We do not have an office in Regina. T-Ledgers is based in Ontario, and we work with Regina clients by phone, video, email and a secure client portal. Most clients never need a meeting in person.
Our flat fees are the same across Canada: catch-up bookkeeping from $1,800 per year, bookkeeping from $350 a month (quarterly; monthly from $500), a student T1 for $49, a regular T1 from $110, a sole proprietor T1 with T2125 from $300 and a T2 from $800, all + HST/GST. Payroll is quoted after consultation. For Regina clients the tax on our fees is 5% GST, and 6% Saskatchewan PST may also apply to accounting services under Bulletin PST-62. You get the exact figure in writing before we start.
Not directly. Our incorporation service is for businesses based in Ontario, and registrations in other provinces are quoted separately. Once your Saskatchewan corporation is registered, we take over the bookkeeping, payroll, GST and PST and T2 from day one.
Monday to Friday 9 a.m. to 8 p.m. ET and Saturday 10 a.m. to 4 p.m. ET. Saskatchewan does not change its clocks, so that is 8 a.m. to 7 p.m. local time on weekdays in winter and 7 a.m. to 6 p.m. in summer. We reply within one business day.
It depends on where you work from. Home-based businesses need a residential business licence ($195 a year) and businesses based outside Regina need a non-resident licence ($450). Businesses in premises paying commercial or industrial property tax are exempt from the general licence.
Yes, for paid stays under 30 days: $100 a year for your principal residence or $300 for a secondary property, with the licence number in your listings. New secondary-property licences are paused while the vacancy rate is below 3%.
It can. Saskatchewan Bulletin PST-62 treats many accounting services relating to Saskatchewan as taxable at 6% PST, on top of 5% GST. We show the tax on your quote so there are no surprises.
Canadian-controlled private corporations pay 1% Saskatchewan tax on the first $600,000 of active business income. The federal limit is $500,000, so the combined rate is 10% up to $500,000 and 16% on the next $100,000. The general rate is 12% (27% combined).
Yes. Saskatchewan clients pay 5% GST on our fees, and 6% Saskatchewan PST may also apply to accounting services that relate to Saskatchewan (Bulletin PST-62). If you are GST-registered you can usually claim the GST back as an input tax credit.
Yes, catch-up is our speciality. We rebuild the books from bank and card statements, oldest year first, and file the GST and PST returns, T2s and personal returns in the right order. Catch-up work is priced per year, from $1,800 per year + HST/GST.
Yes. We prepare the corrected returns and Form RC199 and file them together. Unprompted applications normally get 100% penalty relief and 75% interest relief; applications made after a CRA letter normally get up to 100% penalty relief and 25% interest relief. The CRA decides each case, so relief is never guaranteed.
More places we serve in Saskatchewan
We also work remotely with clients everywhere in Canada except Quebec.
Ready to talk to a CPA about your Regina business?
Current or years behind, the next step is the same: a free 30-minute call, and a fixed price in writing before any work starts. Book online, call (866) 254-5368 or email info@tledgers.ca.
Last updated October 15, 2026. Reviewed by Wajahat Ajmal, CPA, FCCA. Official sources checked October 2026.