Phone-first progress invoices for Canadian trades. Statutory holdback by province. Tax on the gross before you subtract holdback. Interac e-Transfer on the PDF. Works offline in the truck. Not tax or legal advice.
Holdfast Invoice is live: https://holdfastinvoice.ca/
Phone-first progress invoices for Canadian specialty trades. You pick the province. It applies the statutory holdback pack we actually read (UNVERIFIED jurisdictions stay blank). Tax is on the gross before holdback. Amount due now = gross + tax − holdback. Interac e-Transfer sits on the PDF. Offline after the first load.
Calculator and invoice share the same math. 2026 rates: https://holdfastinvoice.ca/rates...
Two invoices free. Unlock is $29 CAD/month via Polar: https://buy.polar.sh/polar_cl_FW...
It is not QuickBooks, not US retainage, not CRA-approved, and it does not take payment from your customer.
Sources fetched 26 August 2026. Not tax or legal advice.