If you run one Canadian business, Ledger gives you proper double-entry accounting, CAD-priced bank reconciliation, and Canadian Capital Cost Allowance - without making you learn double-entry. If you run two or three businesses, Ledger consolidates them live, so you stop paying for one accounting platform per company and stop stitching together CSVs at month-end.
Ledger is what happens when a Canadian operator who has actually closed a multi-entity month-end builds the accounting tool they wished existed. Multi-entity is native from the Pro tier - not a $1,200/mo Enterprise unlock. T2 Schedule 8 prep, GST/HST across all provinces, and Capital Cost Allowance classes ship in the box.
Behind the dashboard is a real general ledger - double-entry by default, audit-logged on every write, and operable by an AI agent through the MCP bridge if you want the Conductor agent to post your weekly journals. The same engine that closes the books powers your Lender Pack, your investor numbers, and your CRA filings.
15-day free trial - No credit card - CAD-pricedMost Canadian SMB owners hit the same wall by year two. The popular single-entity bookkeeping tool charges $35-$50/mo per business in USD - call it $50-$70 CAD after FX and cross-border surcharges. So if you run a Shopify store plus a side consulting incorporation plus a rental property, you're paying $150-$210 CAD/month across three separate logins, three separate chart-of-accounts setups, and three separate year-end exports for your accountant.
Then your accountant charges you another $1,500-$3,000 at year-end to consolidate the three entities into one set of investor-ready financials because no SMB-tier accounting tool actually consolidates entities. Live consolidation usually only ships at the Enterprise tier of a USD-priced platform that starts around $200/mo per company - so you'd be looking at $400+/mo CAD just to get multi-entity, before any add-ons.
Worse, almost none of the popular SMB tools ship Canadian Capital Cost Allowance classes, T2 Schedule 8 prep, or GST/HST multi-province handling in the box. You either pay for a Canadian add-on, buy separate tax software, or do the schedules manually in Excel. The Founder Hours problem - getting your own time into COGS so you actually understand your margin - is a feature that simply doesn't exist in any USD SMB tool we've benchmarked.
The result is a Canadian SMB stack that costs $200-$500/mo across multiple vendors, doesn't consolidate, doesn't speak Canadian tax, and falls apart the moment you try to build a lender package or a grant submission. We built Ledger because that math is broken and someone had to fix it for the operators living through it.
Ledger Pro at $39/mo CAD gives you three entities, live consolidation, the full Asset Management module, Cost Allocation rules, Founder Hours labour-costing, customer invoicing, AP/vendor bills, and GST/HST handling across every Canadian province. That's roughly $13/mo per entity at the Pro tier - versus $50-$70/mo per entity from the USD-priced single-tool incumbents.
The architecture matters. Every entity is a fully separate set of books with its own COA, audit log, bank reconciliation, and tax surface. When you flip to consolidated view, Ledger rolls them up live - no end-of-month CSV gymnastics, no waiting for your accountant to manually combine the three sets of separate-tool exports. Intercompany transactions are handled cleanly with the Intercompany module so loans, transfers, and equity moves between your entities post correctly on both sides automatically.
Ledger Enterprise at $129/mo CAD unlocks unlimited entities plus the 84-jurisdiction tax engine, Projects, Funding Tracker, Lender Pack Generator, T2 Schedule 8 prep, and the Cutover Toolkit for migrating off your current accounting platform. The Lender Pack alone replaces $500-$2,000 of manual accountant prep work - it builds the investor-ready statements, ratios, and entity-by-entity breakdowns your bank or grant agency expects, formatted for Canadian lenders specifically.
Built into Ledger Enterprise is the MCP bridge - eight agent-operable tools that let an AI agent (Conductor) post journals, reconcile statements, generate reports, and run the close process under your supervision. No other SMB-tier accounting platform has this. The Conductor agent can run the entire close process autonomously with you reviewing the journal preview, or you can keep using Ledger as a traditional dashboard. The choice is yours.
Twelve modules you'd normally pay separately for - bundled into one platform that closes the books for one or many entities.
Real double-entry accounting from day one. Every transaction posts to debit + credit, audit-logged with operator and timestamp, and reversible only through proper journal entries rather than silent edits. The same engine used by Canadian Chartered Accountants - built for SMB operators, not against them.
Run unlimited entities (Pro tier: 3) under one login with fully separate books per entity. Live consolidation rolls them up into a holdco view at any time. Intercompany transactions auto-post on both sides. No more month-end CSV gymnastics - your investor numbers update as you post.
CSV and OFX import from every major Canadian bank (RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Neo, EQ Bank, plus credit unions). Match-suggest engine catches duplicate uploads. Reconciliation reports tie out to your bank statement within tolerance and show the variance explicitly.
Track fixed assets with Canadian Capital Cost Allowance classes built in. Class 8, 10, 50, 12 - all the common SMB classes with proper half-year rule and recapture handling. Depreciation auto-posts monthly, and T2 Schedule 8 export ships with the Enterprise tier.
Rules-based overhead allocation across entities, projects, or product lines. Set a rule once (split rent 60/30/10 across three entities) and Ledger applies it on every monthly close. Founder Hours flow into Pilot project costs as labour, then into Ledger as COGS.
Build, send, and track customer invoices with branding per entity, GST/HST applied per province, and Stripe payment link integration. Aged AR report ages every invoice by 0-30 / 31-60 / 61-90 / 90+. Reminder cadence configurable per customer or globally.
Vendor master with payment terms, GST/HST exposure tracking, and bill capture (upload PDF, parse line items, post to AP). Bill payment runs export to your bank's payment file. Vendor 1099/T4A tracking flags Canadian sub-contractor reporting thresholds automatically.
Handles BC PST, AB GST, SK PST, MB RST, ON HST, QC TVQ, and the four Atlantic provinces' HST rates. Multi-province sales surface aggregates by collection jurisdiction. Quarterly filing report exports to CRA-ready format. Per-line tax codes for mixed-tax invoices.
Stop treating your own labour as free. Log your project hours in Pilot, set a costed labour rate per entity, and Ledger auto-allocates the time into project COGS - so your real margin shows up on the P&L, not just your cash margin. Critical for grant applications and lender packs.
One click generates a multi-page investor-ready package: 12-month P&L, balance sheet, cash flow, key ratios, entity-by-entity breakdown, and a covering exec summary. Replaces $500-$2,000 of manual accountant prep. Canadian lender formatting (BDC, RBC, Scotiabank, ATB) supported out of the box.
Capital Cost Allowance schedule auto-builds from your Asset Register. Half-year rule, recapture, and terminal loss handled correctly. Export as CRA-ready Schedule 8 attached to your T2 corporate return. Tested against year-end accountant review across three Vastura entities.
Eight Ledger tools exposed through the MCP protocol so an AI agent can post journals, reconcile statements, query balances, and run reports - under your authorization. The Conductor agent (separate product) drives this. The only SMB-tier accounting platform with end-to-end AI agent operability.
| Feature | Vastura | Industry SMB average |
|---|---|---|
| Multi-entity native consolidation | ✓ from Pro $39/mo | × usually per-entity subscription or Enterprise-only |
| CAD-priced (no FX surcharge) | ✓ every tier | × USD default with 4-6% cross-border surcharge |
| Double-entry with full audit log | ✓ from Starter | partial often mid-tier upgrade |
| CSV + OFX bank import + reconciliation | ✓ from Starter | ✓ |
| Canadian Capital Cost Allowance (CCA) classes | ✓ Pro+ | × rare in SMB tier |
| T2 Schedule 8 prep | ✓ Enterprise | × usually separate $30-$80/mo tax software |
| GST/HST multi-province (all provinces) | ✓ from Pro | partial federal GST only typically |
| Agent-operated MCP read/write architecture | ✓ Enterprise | × no commercial SMB equivalent |
| Cost-allocation rules | ✓ Pro+ | × typically Enterprise-tier-only |
| Founder Hours to COGS labour costing | ✓ Pro+ | × |
| Lender Pack Generator | ✓ Enterprise | × usually $500-$2,000 manual accountant prep |
| 84-jurisdiction tax engine | ✓ Enterprise | × usually $100+/mo add-on |
| Intercompany transaction auto-post | ✓ Pro+ | × |
| Audit trail on every write (immutable) | ✓ all tiers | partial often mid-tier+ |
| Funding Tracker (grants/investors) | ✓ Enterprise | × typically external spreadsheet |
| Cutover Toolkit (data migration) | ✓ Enterprise | × paid migration service ~$1,500+ |
| Asset Register with depreciation schedule | ✓ Pro+ | partial often add-on |
The takeaway: at the Pro tier, Vastura Ledger costs $39/mo CAD and gives you three entities with live consolidation, full Canadian tax surface, Asset Management, and Cost Allocation. The equivalent stack from USD-priced incumbents would run you roughly $150-$210/mo CAD across multiple subscriptions, before tax add-ons and FX surcharge.
We're not claiming Ledger beats every single-purpose accounting tool on every micro-feature. We're claiming Ledger is the right tool for a Canadian operator running one to ten businesses who wants CAD pricing, real multi-entity consolidation, and the option to layer AI agent operations on top - without rebuilding their books every time they incorporate a new entity.
Every tier includes a 15-day free trial. Cancel anytime. Annual billing saves 25%. All prices in Canadian dollars.
Sole prop or single entity moving off spreadsheets or basic-tier alternatives
Growing SMB with 2-3 entities and live consolidation needs
Multi-entity holdco needing tax surface + all add-ons + agent access
15-day free trial - Cancel anytime - CAD-priced - No FX surcharge
Four personas we built this product for. Find yours below.
Sarah runs a one-person consulting incorporation. She uses Starter at $29/mo to invoice clients, reconcile her RBC business account, and post the proper GST collected/paid journal entries. At year-end, she exports her trial balance to her accountant - who does her T2 for $600 instead of $1,800 because the books are already proper double-entry.
Best fit: Ledger Starter
Marcus runs two Shopify storefronts under one Inc plus a side consulting practice. Pro at $39/mo gives him three sets of books with live consolidation. Cost Allocation splits his rent + accountant fees 50/40/10 automatically. His Founder Hours log into Pilot, then COGS into the right Ledger each month.
Best fit: Ledger Pro
Jen's holdco owns 6 entities - 4 rental properties (each its own SPV) plus a property management Inc plus a separate construction sub. Enterprise at $129/mo gives her unlimited entities, the Lender Pack for her annual RBC review, and the Funding Tracker for a current BDC application. T2 prep ships built-in.
Best fit: Ledger Enterprise
David's bookkeeping firm uses Enterprise across 12 client entities under one multi-tenant login. He bills clients $200/mo for managed books and pockets the difference. The MCP bridge lets his Conductor agent do first-pass reconciliation overnight; David reviews and approves in the morning. Throughput tripled since rollout.
Best fit: Ledger Enterprise + Conductor
Vastura is a stack, not a single tool. Each product passes data into the next so you stop running glue scripts and CSV exports.
Log hours against a Pilot project at a costed labour rate. Each weekly close posts a Founder Hours journal to Ledger debiting WIP / COGS and crediting Owner's Equity (or your labour clearing account). Margin reporting flows up correctly.
Pilot time entries -> Ledger JE -> Project P&LStorefront orders flow through Launch Pad and post revenue, COGS, and Stripe fees into Ledger with the proper GST/HST per Canadian province. Per-entity routing means each storefront posts to its own set of books.
Launch Pad order -> Ledger Sales JE -> Per-entity P&LInventory module tracks SKU lifecycle in Pro+ and posts the COGS journal automatically when a sale closes. Multi-warehouse handling means cross-warehouse transfers post intercompany if entities differ.
Inventory sale -> Ledger COGS JE -> AR/CashPayroll runs through the Payroll add-on, posting the proper salary + CPP + EI + tax payable journal entries to Ledger. T4/T4A year-end ties out to the per-employee YTD already in Ledger.
Payroll run -> Ledger Salary JE -> Liability accountsConductor accesses Ledger through the MCP bridge with 8 read/write tools. Ask Conductor to close November for an entity and it reconciles, posts adjustments, and previews the trial balance for your approval.
Conductor chat -> MCP tools -> Ledger journalsTickets in Keystone can attach to specific assets in the Ledger Asset Register. Track the repair history, depreciation, and CCA class of every linked asset across both apps.
Keystone ticket -> Ledger Asset link -> Repair historyInternal-build projects in Pilot that produce IP or fixed assets feed their FMV into the Ledger Asset Register on completion. CCA depreciation starts the same day the asset is in-service.
Pilot project complete -> Ledger Asset add -> CCA scheduleCustomer invoices and statements pull entity branding (logo, colors, address, tagline) from the Brand Lab corpus. Multi-entity SMBs send brand-correct invoices for every entity automatically.
Brand Lab corpus -> Ledger invoice template -> Customer PDFEvery Vastura tier includes a 15-day free trial. No credit card is required up front - you only enter payment when you decide to keep the subscription past day 15. If you cancel within the trial window, your data stays accessible in read-only mode for 30 days so you can export everything cleanly.
If you subscribe and decide within 15 days that Ledger is not the right fit, contact support and we refund the prorated month in full - no questions, no retention call. Annual subscribers get a prorated refund on unused months minus a 5% admin fee, processed back to the original payment method within 7 business days.
Yes - your data is yours. Vastura supports full CSV / JSON / PDF export across every product. Ledger exports include all transactional records, configuration, audit log entries, and attachments. We also provide a Cutover Toolkit (Enterprise tier) for migrating to or from competing platforms with mapping templates included.
Multi-entity is native, not an afterthought. From the Pro tier upward, you can run multiple businesses (Inc / sole prop / partnerships) under one login with per-entity books, branding, and identity. The Enterprise tier unlocks unlimited entities plus consolidated reporting across the holdco. One operator, multiple businesses, one subscription instead of one-per-entity.
Vastura Ltd is Alberta-incorporated and built specifically for Canadian operators. USD-priced SaaS hits Canadian SMBs with a 35-40% FX surcharge after exchange and credit card cross-border fees. We price in CAD, charge in CAD, and write all tax surfaces (GST/HST, CCA, T2 prep) to Canadian rules first. International expansion comes later, but Canada is home base.
All Vastura data sits on Cloudflare's enterprise tier with end-to-end TLS 1.3, at-rest encryption, role-based access control, and a full audit log on every write. We're on the SOC 2 Type 1 - Type 2 roadmap (Type 1 target Q2 2027) and ISO 27001 (Q1 2028). PIPEDA compliance is built in by default - Canadian data residency is on the roadmap for late 2026.
The honest answer: most SMB-tier alternatives are single-tool, USD-priced, and don't talk to each other. Vastura's moat is the integrated stack - Ledger feeds Pilot feeds Studio feeds Launch Pad through the MCP bridge, and CAD-pricing means no FX surcharge. We don't claim to beat every dedicated single-tool incumbent on every micro-feature, but we beat the total cost of running 6 separate USD SaaS subscriptions glued together with Zapier.
No. Onboarding is guided - connect your bank or Shopify, walk through the entity wizard, and you're posting transactions or running storefronts within the first 30 minutes. The optional MCP layer (for AI agent operation) does benefit from a technical user, but the dashboard, reports, and day-to-day workflow are designed for the operator-without-an-IT-department.
Upgrades are prorated and instant - switch from Starter to Pro and you only pay the difference for the remaining days in the cycle. Downgrades take effect at the next renewal so you keep what you paid for. The Conductor agent can also recommend tier changes based on actual usage patterns at the Pro tier and above.
Yes - annual billing is 25% off the monthly rate, applied across every tier and every product. Registered Canadian non-profits and charities can apply for an additional 20% discount (contact support with your CRA registration number). Bundle suites (Ops / Ecomm / Pro / Enterprise) include built-in discounts on top of that.