Question 1

Do I need to register for HST/GST as a gig worker?

Accepted Answer

Yes, once your annual revenue exceeds $30,000 you must register for HST/GST and collect it from clients. Below that threshold registration is optional but allows claiming input tax credits on business expenses.

Question 2

What is CPP2 and how does it affect gig workers in 2026?

Accepted Answer

CPP2 is the enhanced Canada Pension Plan second tier introduced in 2024. For 2026, the combined CPP+CPP2 contribution rate for self-employed workers is approximately 11.9% on earnings between $3,500 and $73,200, up to a maximum of $7,049.

Question 3

What business expenses can I deduct as a gig worker?

Accepted Answer

Vehicle expenses (fuel, maintenance, insurance — prorated for business use), mobile phone (business portion), equipment, platform fees, and a home office deduction if applicable. Keep all receipts. A 15-minute session with an accountant at tax time typically recovers $500–1,500.

Canada Gig Worker Tax Calculator 2026 — Uber DoorDash Net Income