Built for the way Canadian agents actually get paid.
Agent Runway is the business financial layer top Canadian real estate agents run alongside their CRM. CRA-aware tax estimates, HST tracking, T2125 reconciliation, runway in months, and a Flight Crew that reads your real numbers — not US assumptions retrofitted to Canada.
All 13 provinces and territories. PIPEDA-aligned. Built in Saint John, New Brunswick, by an agent who needed it to exist.
Most software built for “real estate agents” is built for Americans.
Walk through the back end of almost any popular real estate CRM, brokerage suite, or agent productivity tool, and you find the same thing: schedules sized for US 1099 reporting, quarterly tax assumptions written for IRS deadlines, expense templates that map to Schedule C, and revenue forecasts that ignore the Canadian seasonality every Atlantic and Prairie agent feels in their bones. The tools work fine for the category they were built for. They were not built for the way a self-employed Canadian agent actually gets paid.
A Canadian agent files T2125, not Schedule C. Pays CPP on the full self-employed amount with no employer half, not self-employment Social Security. Crosses an HST/GST small-supplier threshold at $30,000 in worldwide taxable revenue, not a state-by-state economic-nexus rule. Pays quarterly instalments on March 15, June 15, September 15, and December 15 — different cadence, different math, different penalty structure. Operates in a province whose marginal bracket may stack federally to a top combined rate north of 50 percent, depending on income level and the year. Considers whether to incorporate as a Personal Real Estate Corporation under provincial legislation that varies meaningfully between Ontario, BC, Alberta, Saskatchewan, Manitoba, Nova Scotia, and the rest. None of that translates from US assumptions.
The category-level observation that “agents want one business operating system” is industry-wide. The Canadian-specific observation is that the financial half of that operating system needs to be Canadian from the schema up — not a US product with a province dropdown bolted on.
Agent Runway is built for the Canadian half. It does not try to be your CRM of record, your MLS, your transaction-management system, or your accountant. It is the financial layer those systems leave open: the year-round read of where the business actually stands, in numbers that match the form your accountant will eventually file.
Five capabilities that compose the layer.
Each one is built around a Canadian-specific reality. Each one connects to the others — your tax number depends on your income, your runway depends on your forecast, your forecast depends on your pipeline. The Flight Crew reads all of it.
Real income tracking
Every transaction updates your real income — after splits, brokerage fees, referral payouts, and the deductible expenses that actually show up on T2125. The dashboard estimates your year-to-date net, your effective expense ratio, and your repeat-client rate against closed transactions only. Numbers are estimates from your reported data, surfaced as information rather than filing advice.
How GCI tracking worksYear-end GCI forecast
Not a straight-line guess. The forecast engine reads the deals already in motion (Boarding, Scheduled, In-Flight, Cruising), weighs them by stage probability, and adjusts for Canadian seasonality — slow February, busy spring, summer plateau, fall closes, December lull. The output is a P10–P90 probability band: the range your year may land in given your current pipeline, not a single false-precision number.
Runway Score
A 0–100 composite read of where the business stands — combining months of financial runway, pipeline coverage, expense discipline, and tax preparedness. Not a credit score, not a grade, not a verdict. A signal that estimates whether the things working agents normally watch separately are aligned this month, with a breakdown of which inputs moved.
Canadian tax estimator
CRA federal brackets plus provincial brackets for every one of the 13 provinces and territories, refreshed each tax year. Adds self-employed CPP (no employer half), flags the $30,000 HST/GST small-supplier threshold, and indicates what quarterly instalments may approximate based on reported income. Public version is free — the in-app version reads your real numbers.
Try the free tax estimatorFlight Crew
Three AI personas — Captain (orchestrator and overview), Navigator (tax and finance math), Dispatcher (clients and pipeline) — each with a defined lane, all answering against your real business data instead of generic templates. Tax conversations lock to information, not advice. Every action that writes to your data requires explicit human approval. You can talk to Captain right now, no account required.
Talk to CaptainWhat “Canadian financial depth” means in practice.
Six concrete pieces of Canadian-specific work that do not exist in a US-built product, and would not be cheap to bolt on after the fact.
All 13 provinces and territories
Combined federal + provincial marginal rates for British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Quebec (geo-blocked pending Law 25 + French), New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, Yukon, Northwest Territories, and Nunavut. The rates reflect the brackets CRA and the provincial revenue agencies publish — not US assumptions retrofitted to Canada.
T2125 line-by-line
Self-employed Canadian agents file T2125 (Statement of Business Activities). The expense model maps to T2125 lines: advertising, meals (50%), office, supplies, professional fees, insurance, vehicle (mileage and CCA), home-office. The reports surface what your accountant will likely want to see, formatted the way the form expects.
HST / GST $30,000 threshold tracking
Once worldwide taxable revenue from your last four consecutive calendar quarters crosses $30,000, you are no longer a small supplier. The threshold trigger is flagged in the dashboard, with the date the engine estimates you may have crossed it from your reported numbers — surfaced as information for you and your accountant, not as a filing instruction.
PREC awareness
Personal Real Estate Corporations are permitted in several provinces — Ontario, BC, Alberta, Saskatchewan, Manitoba, Nova Scotia, and others as legislation evolves. Agent Runway tracks whether PREC may be relevant to your numbers (sole-prop vs corporate paths estimate differently at CRA scale), and surfaces the inflection point as information for an accountant conversation.
Quarterly instalment math
Self-employed agents earning above the threshold pay quarterly instalments — March 15, June 15, September 15, December 15. The engine estimates what each instalment may approximate from reported income, and indicates the date a payment may be expected. Whether to use the prior-year option, current-year estimate, or no-calculation method is a conversation with your accountant — not something AR tells you to do.
PIPEDA + Law 25 posture
Canadian privacy law applies to Canadian businesses. AR is built on a PIPEDA-aligned data model with Law 25 work in progress — Quebec stays geo-blocked until French translation and Law 25 documentation are complete. Data residency and lawful-basis questions get answered against Canadian rules, not US ones.
Honest about the lane.
A financial layer that tries to be every tool ends up being none of them. Here is what Agent Runway does not try to replace, and why.
We do not connect to MLS or syndicate listings.
Your brokerage system, your local board, and your listing portals already do this. AR reads the financial side of what those systems produce.
We do not replace your accountant.
Your accountant signs the return, handles CRA correspondence, and knows the specifics of your situation. AR surfaces estimates and patterns that may help that conversation — your accountant remains the person who files.
We do not currently integrate with QuickBooks.
AR's financial data lives in its own ledger model. A QuickBooks bridge is not on the near-term roadmap. If your bookkeeper runs QuickBooks, AR runs alongside as the agent-facing read layer.
We do not replace your CRM.
Top Canadian agents run a specialized CRM — Follow Up Boss, kvCORE, LionDesk, HubSpot, Lofty. Keep yours. AR sits alongside it as the financial layer, not underneath it as a partial replacement. The Dispatcher persona reads your AR client records; it does not try to be your primary CRM of record.
We do not auto-send marketing email or SMS.
CASL is real. Drafts are fine; auto-blast is not. The Flight Crew can draft a newsletter, listing description, social post, or per-client outreach — but every send goes out through you, with your review.
We do not give tax advice.
Every tax surface — estimator, dashboard cards, Navigator chats, blog posts — is locked to information from published CRA rules and engine-computed estimates from your reported data. We never tell you how to file, when to file, or what to do strategically. That is your accountant's role.
The financial layer that sits alongside your CRM, brokerage tools, and accountant — and answers the year-round questions they leave open. Designed to be the part of a top Canadian agent's stack that reads what is actually happening to the numbers, in the language CRA uses.
An agent built it because no one else was going to.
Agent Runway was started by Andrew Shaw — a working REALTOR® on the Ellis Team at Royal LePage Atlantic in Saint John, New Brunswick. The short version: after a separation reset his financial picture, he needed a clear-eyed read of his own business. Not a CRM. Not a marketing platform. A way to know, month by month, what he had really earned, what CRA would eventually want, and how long the runway was if the next deal was slower to close than expected.
That tool did not exist for Canadian agents in any form he could use. The US-built options assumed an IRS calendar and Schedule C. The accounting-package options assumed a bookkeeper. The Canadian agent tools that did exist were client-tracking systems with revenue counters bolted on, not financial systems with a CRM layer. So he built the financial system — first for himself, then for the team around him, then for any Canadian agent who recognised the same gap.
Read the longer version on the homepage or meet the founder.
Three personas. Defined lanes. Real data.
Not one chatbot answering everything badly. Three personas with explicit ownership of distinct domains, and explicit handoffs between them when a question crosses the border.
Strategic overview. Connects your tax, pipeline, and clients into one read of where the business stands. Default responder; routes to Navigator or Dispatcher when a question is theirs.
Tax and finance math. CRA rate tables, instalment estimates, HST flagging, year-end forecasts. Locked to information, not advice — every tax conversation surfaces estimates and rules, never filing instructions.
Clients and pipeline. Reads your CRM records, drafts per-client outreach, surfaces who is going cold, and suggests Flight Plan templates tied to where each deal sits in your funnel.
Long-form coverage of the Canadian agent finance questions.
Each article below is locked to information from published CRA rules. None of them tell you what to do. Read what applies; bring it to your accountant.
Free Canadian Realtor Tax Estimator
Federal + provincial + CPP for all 13 provinces and territories.
Read moreFirst-Year Tax Filing for Newly-Licensed Canadian Agents
Licence day to first T1 — T2125, the $30K HST threshold, April 30 / June 15, CPP, and year-one mistakes.
Read moreWhat's Missing Between Your Accountant, CRM, and Spreadsheet
Where the default Canadian agent stack leaves a year-round gap.
Read moreHST/GST Registration for Canadian Real Estate Agents
$30K threshold, ITCs, provincial rates, filing frequency.
Read moreT2125 Guide for Real Estate Agents
Statement of Business Activities, line by line.
Read morePREC vs Sole Proprietor in Canada
Personal Real Estate Corporation considerations versus sole-prop.
Read moreReal Estate Agent Tax Instalments in Canada
How CRA quarterly instalments work for self-employed agents.
Read moreNB / NS / PEI Tax Rates for Real Estate Agents
Combined federal + provincial marginal rates for Atlantic agents.
Read moreCPP for Self-Employed Real Estate Agents
How CPP works when there is no employer half.
Read moreReal Estate Agent Business Expenses in Canada
What is deductible on T2125 — and what is not.
Read moreVehicle Expenses for Real Estate Agents in Canada
Logbook, CCA caps, and the 90% GST/HST ITC threshold.
Read moreBusiness-Use-of-Home Expenses for Real Estate Agents
T2125 Line 9945, qualifying tests, and the principal-residence CCA trap.
Read moreGST/HST Quick Method for Canadian Real Estate Agents
$400K ceiling, service-provider rates by province, the 1% credit, and the ITC trade-off.
Read moreReal Estate Tax Deadlines in Canada
April, June, instalment quarters, HST filing.
Read moreReal Estate Agent Tax Planning Canada
Year-round considerations for Canadian agents.
Read moreHow Much to Save for Taxes (Canada)
What CRA rates indicate for Canadian agent earnings.
Read moreCapital Gains Tax for Agents Who Invest Personally
Flip-vs-hold, the PRE, the 365-day anti-flipping rule, section 45 elections, CCA recapture, the QSBC LCGE, and the 50% inclusion rate.
Read moreAdd the Canadian financial layer to your stack.
Keep your CRM. Keep your accountant. Add the layer that reads your numbers in the language CRA uses, and answers the questions your other tools leave open.
Charter pricing for the first 50 users, locked for as long as your subscription stays active. Founding pricing for the next 50. After that, regular pricing applies.
Tax content on this page surfaces published CRA rules and engine-computed estimates from reported data. It is information, not filing advice. Decisions about how and when to file remain between you and your accountant.