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Deductly CA

Every Canadian grant, tax credit, and deduction your business qualifies for. In one ranked list.

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Recent guides
Deductions · 8 min

Every deduction Canadian small businesses miss

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Deductly is a discovery tool, not a tax filer. Information is provided for educational purposes. Always confirm program details and eligibility with a qualified Canadian accountant before applying or claiming any benefit.

DeductlyCA
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DEDUCTIONAll of Canada

Individual Pension Plan (IPP) for Owner-Managers

Last verified: June 2026

Tax-deferred retirement plan that lets incorporated business owners contribute far more than an RRSP. Especially powerful for owners over 40 with steady T4 income.

See if I qualify
Estimated value
$10K to $40K+ extra annual deductions vs RRSP
Approval likelihood
High
Ready to apply score
85/100
Documents needed
3

Eligibility

  • Business types:incorporated
  • Industries:All industries
  • Provinces:All of Canada

What you'll need

  • IPP plan documents (set up by actuary)
  • Owner T4 employment history
  • Annual actuarial valuation

How to apply

  1. 1Consult an IPP specialist actuary
  2. 2Set up the plan and register with CRA
  3. 3Contribute via the corporation
  4. 4Deduct contributions corporately
Deadline:Annual: contribution deadline tied to fiscal year

Is your business a fit for Individual Pension Plan (IPP) for Owner-Managers?

Take the 3-minute quiz to find out, and see every other Canadian program you qualify for at the same time.

Check my eligibility

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A monthly digest

New programs, in your inbox.

We are in beta. Drop your email and we will write when the first digest is ready. Monthly cadence, easy unsubscribe.

Deductly CA

Every Canadian grant, tax credit, and deduction your business qualifies for. In one ranked list.

Start the assessment
Product
  • Eligibility quiz
  • All programs
  • Watch (live changes)
  • The funding journey
  • When to apply
  • Stackability map
  • Document checklist
  • Calculators
  • Tracker
  • Learn
  • Pricing
Resources
  • For accountants
  • Public API
  • RSS feed
  • What's new
  • Roadmap
  • Press
  • vs ChatGPT
  • vs Benefits Finder
By province
  • Ontario
  • British Columbia
  • Alberta
  • Quebec
  • Manitoba
  • Saskatchewan
By industry
  • Technology & Software
  • Manufacturing
  • Retail & E-commerce
  • Food & Beverage
  • Professional Services
  • Creative & Media
For
Women entrepreneursNewcomersIndigenous businessYouth foundersBlack entrepreneursFirst-hire employers
Recent guides
Deductions · 8 min

Every deduction Canadian small businesses miss

Grants · 10 min

8 grants every Canadian founder should know about

Deductions · 7 min

The Small Business Deduction, fully explained

© 2026 DeductlyPrivacyTermsAboutFrançaisContact
All systems operational

Deductly is a discovery tool, not a tax filer. Information is provided for educational purposes. Always confirm program details and eligibility with a qualified Canadian accountant before applying or claiming any benefit.