05/05/2026
Self-employed in Canada?
Here’s the real math:
You don’t just lose a boss.
You lose the backup system.
No guaranteed paid sick days.
No paid vacation.
No employer health benefits.
No retirement match.
No steady paycheck.
That means your business has to cover what an employer used to.
So don’t price your work like an employee.
Price it like a business.
Your rate needs to cover your work, taxes, slow months, time off, health costs, retirement, and risk.
Freedom costs money.
Plan for it before you need it.
