Tool · Incorporation
Personal vs Corporation Comparison
In brief — The tool compares the after-tax net of the same rental income held personally vs in a corporation, by province, and quantifies the gap between the two routes.
Simplified model (top marginal rates, full distribution). Not tax advice.
The tool shows the after-tax net of both ownership routes and the gap between them, accounting for the tax mechanisms specific to corporate investment income.
How those mechanisms work in detail, and the situations where a corporation makes sense, are explained in the incorporation guide below. The full after-tax analysis of your property is in DeedWorth.
Read the full guide: Guide: incorporating a rental →
Your full analysis with DeedWorth
- Clear verdict: buy, negotiate or walk away
- Maximum recommended price for your return target
- After-tax analysis (CCA, recapture)
- 10-year projection and scenarios
Frequently asked questions
Is incorporating tax-advantageous?
It depends on your income, province and goals: the tool quantifies the gap between the two routes for your situation, and the incorporation guide explains when a corporation makes sense.
Passive or active income?
Rental income is generally passive, unless actively operated (several employees, services). Tax treatment differs.
Why incorporate then?
The non-tax reasons — asset protection, estate planning, multi-property structures — are covered in the incorporation guide.
Glossary terms: Refundable dividend tax (RDTOH)
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