# Taxes for Gig Workers in Canada: Ride-Share and Delivery > Driving or delivering on apps in Canada? GST/HST rules for ride-share drivers, CPP on gig income, deductible expenses and how much to set aside. Source: https://trykosh.com/for/gig-workers Kosh for gig workers # Gig work in Canada: the tax and money side, sorted Ride-share, delivery and task apps pay you as a business, not an employee. Tax and CPP aren't withheld, ride-share drivers must charge GST/HST from day one, and car costs matter. Kosh tracks it from your statements. ## What gets in the way ### Ride-share GST/HST from the first fare Taxi and commercial ride-sharing drivers must register for GST/HST even below the $30,000 small supplier threshold. Delivery-only work follows the normal threshold. ### Nothing withheld App payouts are gross. Income tax and both halves of CPP come due with your return. ### Car costs you forget to track Fuel, insurance, maintenance and phone are partly deductible for the business share of use, but only if you can show it. ### Gig income on top of a job Side income is taxed at your marginal rate, which your day job sets. The extra tax is higher than people expect. ## What Kosh does about it ### Totals payouts by app Upload the bank statements your payouts land in and Kosh adds them up by platform and by quarter. ### Sets aside the right share Kosh estimates income tax and CPP on your gig income at your real marginal rate and gives you a per-payout amount to save. ### Finds deductible costs Fuel, maintenance, phone and platform fees picked out of your card and bank statements for your T2125. ### Warns about GST/HST For delivery and task work, Kosh tracks the $30,000 line by quarter; for ride-share it reminds you registration is required. ### Reminds before instalments If the CRA asks for instalments, Kosh nudges you before each due date. ## Free tools for gig workers [Free tool**Income tax calculator**Work out your 2026 federal and provincial income tax, CPP and EI, and what you keep, in any province or territory. Add self-employment income, capital gains and RRSP contributions to see how each one changes the bill.](/tools/income-tax-calculator)[Free tool**Marginal tax rate calculator**See how much of your next dollar goes to tax in your province, on salary and interest, capital gains and dividends. It's the number that decides what an RRSP contribution saves and what a raise is worth.](/tools/marginal-tax-rate-calculator)[Free tool**Emergency fund calculator**Add up your essential monthly costs, choose how many months to cover, and see your target, the gap and how long it'll take to close it.](/tools/emergency-fund-calculator) ## A CFO for gig workers. Upload a statement and Kosh maps your money, estimates your federal and provincial tax and tells you the one thing to fix first. Free to start. [Start free](/signup?via=for-gig-workers) ## What does gig income on top of a job really cost? Say you earn $50,000 at a job in Ontario and $25,000 net from gig apps in 2026. The gig income adds about **$9,060** to what you owe in income tax and CPP, roughly 36% of the gig money, and none of it was withheld. That's why a set-aside account matters. See [side hustle income and the CRA](/learn/side-hustle-income-cra). ## GST/HST: ride-share vs delivery - **Ride-share and taxi:** register for GST/HST before your first ride. Your registration date is the day you start supplying taxable passenger transportation. - **Delivery, tasks and most other gigs:** you're a small supplier until your taxable revenue passes $30,000 in a quarter or over four consecutive quarters; then you have 29 days to register. ## Which expenses are worth tracking? For a vehicle used for both gig work and personal driving, you deduct the business share of costs, based on kilometres. Keep a log of business kilometres and keep receipts. Platform fees and the business share of your phone plan are also typical expenses. Kosh pulls likely expenses from your statements, but the logbook is still yours to keep. See [self-employed taxes in Canada](/learn/self-employed-taxes-canada). [Free tool**Income tax calculator**Work out your 2026 federal and provincial income tax, CPP and EI, and what you keep, in any province or territory. Add self-employment income, capital gains and RRSP contributions to see how each one changes the bill.](/tools/income-tax-calculator)[Free tool**Marginal tax rate calculator**See how much of your next dollar goes to tax in your province, on salary and interest, capital gains and dividends. It's the number that decides what an RRSP contribution saves and what a raise is worth.](/tools/marginal-tax-rate-calculator) ## Frequently asked questions Do ride-share drivers have to charge GST/HST in Canada? Yes. Taxi and commercial ride-sharing drivers must register for GST/HST even if they are small suppliers, starting from the day they begin giving rides. Food and parcel delivery follows the regular $30,000 small supplier threshold. Do I pay CPP on gig income? Yes. Net self-employment income from gig work is subject to both the employee and employer shares of CPP, calculated on your return, up to the annual maximum after any CPP you paid through a job. How much should I save from each gig payout? Estimate the income tax at your marginal rate plus CPP on your net gig income, and save that share of every payout. If you also have a job, your marginal rate is set by it, so the share is often higher than people expect. Can I deduct my car if I drive for delivery apps? You can generally deduct the business share of vehicle costs such as fuel, insurance, maintenance and capital cost allowance, based on business kilometres over total kilometres. Keep a logbook and receipts. Does Kosh connect to the gig apps? No. Kosh reads statements you upload, such as the bank account your payouts land in and your credit card, and builds the picture from those. It never asks for logins. ## Sources - [CRA: Register for a GST/HST account](https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/account-register.html) - [CRA: RC4022 General Information for GST/HST Registrants](https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4022/general-information-gst-hst-registrants.html) - [CRA: Paying your income tax by instalments](https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/making-payments-individuals/paying-your-income-tax-instalments.html) General information for planning, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not registered with any Canadian securities regulator as an adviser or dealer, does not recommend specific securities, and does not hold your money or execute trades. Tax figures are estimates; confirm with the CRA or a qualified professional before acting. Investing carries risk.