Pricing
Simple, transparent pricing
No setup fees. No monthly charges. No per-employee costs. Pay only when claims are processed.
Have a referral code? Enter it during signup.
Annual Savings
$6,472
Example: incorporated professional at the highest marginal rate with $6,000 in eligible medical expenses.
Simple pricing
$2 per transfer + 7%
Calculator
See how much you could save
Adjust the amount to see how different expense levels affect your savings.
Without PHSP
$12,912
Corporation pays as salary
With CarbonFibre
$6,440
Corporation pays all-in
Your Annual Savings
$6,472
5-Year Savings: $32,358
Gross salary needed
$12,912
Medical tax credit
$650
Personal tax
$6,912
Admin fee
$440
These estimates are for illustrative purposes only and assume the highest applicable marginal tax rate for the selected province. Actual savings depend on your specific tax situation. Consult your accountant for personalized advice.
Fee details
How fees are calculated
The fee schedule stays transparent. Here is the full breakdown of what CarbonFibre charges and what it does not.
Your fees
7% administrative fee
Charged on the gross eligible expense amount of each approved claim.
$2.00 per payout
A flat fee each time a reimbursement is issued to an employee, covering payment processing and bank fees.
What we don't charge
No setup fees. No monthly platform fees. No per-employee costs. Nothing is deducted from employee reimbursements. All amounts in CAD, plus applicable GST/HST.
Example
| Item | Amount |
|---|---|
| Eligible expense | $500.00 |
| Admin fee (7%) | $35.00 |
| Payout fee | $2.00 |
| HST on fees (13%) | $4.81 |
| Employer pays | $541.81 |
| Employee receives | $500.00 |
CarbonFibre collects $541.81 from the employer via a single PAD. The employee receives the full $500.00 tax-free. The entire employer cost is 100% deductible.
Payouts & tax
Monthly cycle
Approved claims accumulate throughout the month. The employer is debited once at month-end, and employee payouts are disbursed after the settlement period clears. Minimum payout threshold: $50.00 CAD.
100% deductible
All fees paid by the employer are deductible business expenses under the Income Tax Act (Canada). GST/HST on fees is recoverable as an Input Tax Credit for registered employers.
Annual review
CarbonFibre reviews this fee schedule annually and may update fees with 30 days' written notice.