Four clicks to run payroll. Jmoor calculates every deduction to the cent, files your year-end slips, and moves the money — so payday stops being the day you quietly dread.
take-home, each bi-weekly paycheque
Illustrative 2025 estimate for a single-income employee. Simplified (no surtaxes, CPP2, or extra credits). Not tax advice — your real run is calculated to the cent.
Why payday feels heavy
How a run works
One flow, fully in view. Each step hands cleanly to the next, and nothing moves until you approve it.
Hours, salaries, bonuses, and changes flow in — from timesheets, HR, or a quick review. No re-keying.
Gross-to-net runs to the cent: every earning, deduction, benefit, CPP/EI, and federal + provincial tax — with YTD carried forward.
A clear preview with a built-in PIER check flags variances before you commit. Approve when it’s right.
Net pay moves same-day by Interac or by EFT — every employee, in one batch, on schedule.
Source deductions, slips, and year-end filings are prepared and submitted — so compliance is a by-product, not a project.
Gross-to-net engine
Getting to net isn’t one calculation — it’s a sequence, and the order matters. Jmoor runs it the way the CRA expects, every time.
Salary, hourly, overtime, bonuses, commissions, retro pay, and taxable benefits — each typed and handled correctly.
Registered plans and pre-tax items reduce taxable income in the right order, before tax is ever computed.
Contributions calculated against the current year’s maximums and exemptions, capped exactly where they should be.
Federal and provincial withholding using official CRA T4127 logic, with the basic personal amount and YTD applied.
Benefit deductions and court-ordered garnishments are applied with their own rules, priorities, and limits.
Net pay lands, the paystub is generated, and every figure posts to the ledger — reconciled, not re-keyed.
Try it yourself — the paystub at the top of this page runs this exact sequence, live.
Jmoor doesn’t hand you a blank form — it builds the run from what it already knows, so your job is to check it, not create it.
Compliance & filings
Most platforms bolt Canada on. Jmoor was built for it — the slips, the remittances, the checks, the file formats — then extended outward.
T4 employment slips generated with full box detail and filed to the CRA by XML; T4A other-income slips supported.
Québec slips prepared and filed to Revenu Québec.
ROEs built and submitted to Service Canada on termination or leave.
Pensionable-and-insurable earnings reviewed before you file, catching variances early.
CPP, EI, and income tax remittances calculated and scheduled to the CRA and RQ.
Direct-deposit files in the standard Canadian bank format — plus same-day Interac.
Canada leads on depth; the calculation engine reaches further. Coverage is honest about its tiers — we’ll map it to your exact footprint.
And when an authority changes a rate mid-year, versioned tax tables reload automatically — every run captures the exact rates in effect for its pay date.
Getting paid
Calculating pay is only half the job. Jmoor also moves it — same-day when it matters, and off-cycle whenever you need.
Pay the whole team by Interac e-Transfer Bulk — money that lands the same day, not days later.
Standard CPA-005 bank files for reliable, low-cost direct deposit on your schedule.
Run a correction, a bonus, or a one-off termination pay any time — no extra fee, no waiting for the cycle.
Route each person’s net pay across several accounts by amount or percent — with a backup destination if one fails.
Every kind of pay
Salaried and hourly employees on the same run — each calculated on its own rules.
Overtime applied at the multiplier each province actually requires — not a flat guess.
Weekly, bi-weekly, semi-monthly, or monthly — and multiple schedules at once.
One-time bonuses and retroactive adjustments handled with correct tax treatment.
Court-ordered deductions applied with their own priorities and legal caps.
Statutory-holiday pay detected and injected automatically, by each jurisdiction’s rules.
When an unexpected bill lands before payday, employees shouldn’t have to reach for a predatory loan. With earned-wage access, they can draw on wages they’ve already earned — instantly, and interest-free.
Illustrative. Availability depends on employer setup and eligibility.
Accuracy you can prove
Nothing disburses until the required approvers sign off. Role-based, with every signature logged.
Variances in pensionable and insurable earnings are surfaced before filing — not after a CRA notice.
Every run and payment is keyed and logged in an append-only trail, so nothing double-pays and every change is traceable.
Every approved run generates balanced journal entries — gross, deductions, taxes, and net — ready for your general ledger.
Better together
Because HR, payroll, compliance, and the books share one ledger, a hire, a raise, or a termination flows through without re-keying.
Jmoor vs the old way
Frequently Asked Questions
Minutes. Jmoor assembles the run from your hours, salaries, and any changes; you review a clear preview, clear the built-in PIER check, and approve. From there the money moves and the filings queue automatically.
Gross-to-net is calculated to the cent using official CRA T4127 payroll-deduction logic — every earning, pre-tax deduction, CPP and EI contribution (capped at the year’s maximums), and federal and provincial withholding, with year-to-date carried forward across runs.
For Canada: T4 slips filed to the CRA by XML (with T4A other-income slips supported), RL-1 to Revenu Québec, and Records of Employment (ROE) to Service Canada. A PIER review runs before you file to catch pensionable-and-insurable variances early.
Same-day by Interac e-Transfer Bulk, or by EFT direct deposit using the standard Canadian CPA-005 bank file. You can also run off-cycle or on-demand payments — a correction, a bonus, a final pay — any time.
It lets employees draw against wages they’ve already earned before payday — instant and interest-free, where you enable it. It’s a financial-wellness benefit that costs you nothing and helps your team avoid predatory payday loans.
Jmoor’s tax tables are versioned and hot-swappable. When the CRA — or another authority — adjusts a rate part-way through the year, the new rates load automatically, and every run captures the exact rates in effect for its pay date. No manual patching, no waiting for a software update.
Review catches most issues before you approve, and the PIER check flags statutory variances pre-file. If something needs fixing after the fact, run an off-cycle correction or a retroactive adjustment — with a full audit trail of every change.
Yes, in tiers. Canada has the deepest statutory coverage. The United States, United Kingdom, and Australia have full gross-to-net calculation with statutory reporting — RTI in the UK, STP2 in Australia. New Zealand, Singapore, India, and the UAE are expanding. Tell us your footprint and we’ll map exactly what’s supported today.
Related products
The employee record that feeds every pay run.
Approved hours flow straight into payroll.
Source deductions and year-end slips, computed for you.
Let your team reach earned pay before payday.
Each run posts to the general ledger automatically.
Calculated to the cent, filed for you, and paid same-day. Run your first payroll and feel the dread lift.
One System. Every Number. Total Confidence.
