small business planner 2022 pdf

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Business Plan Template for Small Businesses

Business planning can feel complicated. it doesn't have to be. start putting pen to paper today with your free business plan template download..

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You don't need to be an expert. This template makes business planning easy.

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Why you need a business plan

Writing a business plan can seem like a big task, especially if you’re starting a business for the first time and don’t have a financial background. After all, business plans have changed over the years, and what lenders and investors expect now is different than it was even just 10 years ago.

What hasn’t changed is that writing a business plan will help you:

• Develop a strategy for success
• Reduce the risk of starting a business
• Explore new business ideas
• Attract investors and get funding

Learn more about how you can get value out of your business plan .

What is included in this business plan template?

This template includes definitions, guidance, and examples for every business plan component needed to start, fund, and grow your business.

After downloading the full template, you’ll receive instructions on how to fill out each of the following sections.

Executive summary

The brief summary of your business plan introduces everyone to your business, the problem you solve, and what you’re asking from your readers. It’s the first chapter of your business plan and the last thing you write once you have the details from your full plan.

Problem & solution

More than a simple description of your products and services – here you define the problem you’re solving and the value you provide. It’s also your chance to showcase any initial traction that shows you’re on the right track.

Market analysis and target market

A detailed assessment of the market you intend to enter, including the size and value of the market, potential customer segments, and their buying patterns.

Competition

Show that you know who your competitors are, what advantages you have, and how you’re positioning your business to be competitive.

Marketing & sales

Describe how you’ll reach and sell to potential customers with a detailed sales plan and chosen marketing channels.

What makes your business run? Outline the day-to-day workflows and what needs to be set up for your business to deliver a product or service.

Milestones & metrics

Set goals for your business that include the dates and people responsible for accomplishing them. This is what you’ll use to manage responsibilities, track growth, and execute your larger strategy.

Company overview and team

Provide a brief rundown of the legal and structural components of your company, including your history, current team, and gaps you need to fill.

Financial plan

Create well-structured and accurate financial statements to help you pitch to investors, land funding, and achieve long-term success. All without the help of a financial advisor or a degree in accounting.

While not required, this last section of your business plan is a great place to drop in additional documents that support and strengthen the rest of your plan.

How do you write a simple business plan?

If you’re exploring a business idea and don’t plan to pursue funding, then you actually don’t need to write a traditional business plan. Instead, opt for a one-page plan , which is far easier to create but just as effective.

To write a simple one-page business plan, follow the same core sections as a traditional plan. But instead of lengthy paragraphs and multiple pages covering each area of your business, stick with single sentences and bulleted lists.

If a one-page plan sounds like a better option, download our free simple business plan template to get started.

Start your business plan today

Whether you're writing a business plan to validate your business idea, secure funding, or grow your existing business – our template will help you achieve your goals.

Business plan template FAQ

What file formats are available for this business plan template?

You can download and use this business plan template as a Google Doc, .docx (Microsoft Word), or PDF.

Can you print out this template?

This is a printable business plan template that can be downloaded and printed no matter which format you choose.

Why should you start with a business plan template?

Starting with a good business plan template (like this one) includes everything you need to get started. It helps you organize your thoughts, and provides guidance, instructions, and examples to create an investor-ready and SBA-approved business plan format. It really speeds up the planning process. Oh, and it's 100% free!

Is writing a business plan easy?

Using a business plan template can make writing a business plan easier. Additionally, if you focus on just getting your information down quickly, with the expectation that you'll revisit and revise your plan, you can speed up and simplify the process .

Can someone write your business plan for you?

If you're still struggling to write your business plan even when using a template, you can look into hiring a professional business plan writer. We even have a free resource to help you ask just the right questions  to make sure you find the right plan writer.

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Simple Business Plan Template (2024)

Updated: Nov 30, 2023, 4:49pm

Table of Contents

Why business plans are vital, get your free simple business plan template, how to write an effective business plan in 6 steps, frequently asked questions.

While taking many forms and serving many purposes, they all have one thing in common: business plans help you establish your goals and define the means for achieving them. Our simple business plan template covers everything you need to consider when launching a side gig, solo operation or small business. By following this step-by-step process, you might even uncover a few alternate routes to success.

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Whether you’re a first-time solopreneur or a seasoned business owner, the planning process challenges you to examine the costs and tasks involved in bringing a product or service to market. The process can also help you spot new income opportunities and hone in on the most profitable business models.

Though vital, business planning doesn’t have to be a chore. Business plans for lean startups and solopreneurs can simply outline the business concept, sales proposition, target customers and sketch out a plan of action to bring the product or service to market. However, if you’re seeking startup funding or partnership opportunities, you’ll need a write a business plan that details market research, operating costs and revenue forecasting.

Whichever startup category you fall into, if you’re at square one, our simple business plan template will point you down the right path.

Copy our free simple business plan template so you can fill in the blanks as we explore each element of your business plan. Need help getting your ideas flowing? You’ll also find several startup scenario examples below.

Download free template as .docx

Whether you need a quick-launch overview or an in-depth plan for investors, any business plan should cover the six key elements outlined in our free template and explained below. The main difference in starting a small business versus an investor-funded business is the market research and operational and financial details needed to support the concept.

1. Your Mission or Vision

Start by declaring a “dream statement” for your business. You can call this your executive summary, vision statement or mission. Whatever the name, the first part of your business plan summarizes your idea by answering five questions. Keep it brief, such as an elevator pitch. You’ll expand these answers in the following sections of the simple business plan template.

• What does your business do? Are you selling products, services, information or a combination?
• Where does this happen? Will you conduct business online, in-store, via mobile means or in a specific location or environment?
• Who does your business benefit? Who is your target market and ideal customer for your concept?
• Why would potential customers care? What would make your ideal customers take notice of your business?
• How do your products and/or services outshine the competition? What would make your ideal customers choose you over a competitor?

These answers come easily if you have a solid concept for your business, but don’t worry if you get stuck. Use the rest of your plan template to brainstorm ideas and tactics. You’ll quickly find these answers and possibly new directions as you explore your ideas and options.

2. Offer and Value Proposition

This is where you detail your offer, such as selling products, providing services or both, and why anyone would care. That’s the value proposition. Specifically, you’ll expand on your answers to the first and fourth bullets from your mission/vision.

As you complete this section, you might find that exploring value propositions uncovers marketable business opportunities that you hadn’t yet considered. So spend some time brainstorming the possibilities in this section.

For example, a cottage baker startup specializing in gluten-free or keto-friendly products might be a value proposition that certain audiences care deeply about. Plus, you could expand on that value proposition by offering wedding and other special-occasion cakes that incorporate gluten-free, keto-friendly and traditional cake elements that all guests can enjoy.

3. Audience and Ideal Customer

Here is where you explore bullet point number three, who your business will benefit. Identifying your ideal customer and exploring a broader audience for your goods or services is essential in defining your sales and marketing strategies, plus it helps fine-tune what you offer.

There are many ways to research potential audiences, but a shortcut is to simply identify a problem that people have that your product or service can solve. If you start from the position of being a problem solver, it’s easy to define your audience and describe the wants and needs of your ideal customer for marketing efforts.

Using the cottage baker startup example, a problem people might have is finding fresh-baked gluten-free or keto-friendly sweets. Examining the wants and needs of these people might reveal a target audience that is health-conscious or possibly dealing with health issues and willing to spend more for hard-to-find items.

However, it’s essential to have a customer base that can support your business. You can be too specialized. For example, our baker startup can attract a broader audience and boost revenue by offering a wider selection of traditional baked goods alongside its gluten-free and keto-focused specialties.

4. Revenue Streams, Sales Channels and Marketing

Thanks to our internet-driven economy, startups have many revenue opportunities and can connect with target audiences through various channels. Revenue streams and sales channels also serve as marketing vehicles, so you can cover all three in this section.

Revenue Streams

Revenue streams are the many ways you can make money in your business. In your plan template, list how you’ll make money upon launch, plus include ideas for future expansion. The income possibilities just might surprise you.

For example, our cottage baker startup might consider these revenue streams:

• Product sales : Online, pop-up shops , wholesale and (future) in-store sales
• Affiliate income : Monetize blog and social media posts with affiliate links
• Advertising income : Reserve website space for advertising
• E-book sales : (future) Publish recipe e-books targeting gluten-free and keto-friendly dessert niches
• Video income : (future) Monetize a YouTube channel featuring how-to videos for the gluten-free and keto-friendly dessert niches
• Webinars and online classes : (future) Monetize coaching-style webinars and online classes covering specialty baking tips and techniques
• Members-only content : (future) Monetize a members-only section of the website for specialty content to complement webinars and online classes
• Franchise : (future) Monetize a specialty cottage bakery concept and sell to franchise entrepreneurs

Sales Channels

Sales channels put your revenue streams into action. This section also answers the “where will this happen” question in the second bullet of your vision.

The product sales channels for our cottage bakery example can include:

• Mobile point-of-sale (POS) : A mobile platform such as Shopify or Square POS for managing in-person sales at local farmers’ markets, fairs and festivals
• E-commerce platform : An online store such as Shopify, Square or WooCommerce for online retail sales and wholesale sales orders
• Social media channels : Facebook, Instagram and Pinterest shoppable posts and pins for online sales via social media channels
• Brick-and-mortar location : For in-store sales , once the business has grown to a point that it can support a physical location

Channels that support other income streams might include:

• Affiliate income : Blog section on the e-commerce website and affiliate partner accounts
• Advertising income : Reserved advertising spaces on the e-commerce website
• E-book sales : Amazon e-book sales via Amazon Kindle Direct Publishing
• Video income : YouTube channel with ad monetization
• Webinars and online classes : Online class and webinar platforms that support member accounts, recordings and playback
• Members-only content : Password-protected website content using membership apps such as MemberPress

Nowadays, the line between marketing and sales channels is blurred. Social media outlets, e-books, websites, blogs and videos serve as both marketing tools and income opportunities. Since most are free and those with advertising options are extremely economical, these are ideal marketing outlets for lean startups.

However, many businesses still find value in traditional advertising such as local radio, television, direct mail, newspapers and magazines. You can include these advertising costs in your simple business plan template to help build a marketing plan and budget.

5. Structure, Suppliers and Operations

This section of your simple business plan template explores how to structure and operate your business. Details include the type of business organization your startup will take, roles and responsibilities, supplier logistics and day-to-day operations. Also, include any certifications or permits needed to launch your enterprise in this section.

Our cottage baker example might use a structure and startup plan such as this:

• Business structure : Sole proprietorship with a “doing business as” (DBA) .
• Permits and certifications : County-issued food handling permit and state cottage food certification for home-based food production. Option, check into certified commercial kitchen rentals.
• Roles and responsibilities : Solopreneur, all roles and responsibilities with the owner.
• Supply chain : Bulk ingredients and food packaging via Sam’s Club, Costco, Amazon Prime with annual membership costs. Uline for shipping supplies; no membership needed.
• Day-to-day operations : Source ingredients and bake three days per week to fulfill local and online orders. Reserve time for specialty sales, wholesale partner orders and market events as needed. Ship online orders on alternating days. Update website and create marketing and affiliate blog posts on non-shipping days.

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6. Financial Forecasts

Your final task is to list forecasted business startup and ongoing costs and profit projections in your simple business plan template. Thanks to free business tools such as Square and free marketing on social media, lean startups can launch with few upfront costs. In many cases, cost of goods, shipping and packaging, business permits and printing for business cards are your only out-of-pocket expenses.

Cost Forecast

Our cottage baker’s forecasted lean startup costs might include:

Gross Profit Projections

This helps you determine the retail prices and sales volume required to keep your business running and, hopefully, earn income for yourself. Use product research to spot target retail prices for your goods, then subtract your cost of goods, such as hourly rate, raw goods and supplier costs. The total amount is your gross profit per item or service.

Here are some examples of projected gross profits for our cottage baker:

Bottom Line

Putting careful thought and detail in a business plan is always beneficial, but don’t get so bogged down in planning that you never hit the start button to launch your business . Also, remember that business plans aren’t set in stone. Markets, audiences and technologies change, and so will your goals and means of achieving them. Think of your business plan as a living document and regularly revisit, expand and restructure it as market opportunities and business growth demand.

Is there a template for a business plan?

You can copy our free business plan template and fill in the blanks or customize it in Google Docs, Microsoft Word or another word processing app. This free business plan template includes the six key elements that any entrepreneur needs to consider when launching a new business.

What does a simple business plan include?

A simple business plan is a one- to two-page overview covering six key elements that any budding entrepreneur needs to consider when launching a startup. These include your vision or mission, product or service offering, target audience, revenue streams and sales channels, structure and operations, and financial forecasts.

How can I create a free business plan template?

Start with our free business plan template that covers the six essential elements of a startup. Once downloaded, you can edit this document in Google Docs or another word processing app and add new sections or subsections to your plan template to meet your specific business plan needs.

What basic items should be included in a business plan?

When writing out a business plan, you want to make sure that you cover everything related to your concept for the business,  an analysis of the industry―including potential customers and an overview of the market for your goods or services―how you plan to execute your vision for the business, how you plan to grow the business if it becomes successful and all financial data around the business, including current cash on hand, potential investors and budget plans for the next few years.

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Krista Fabregas is a seasoned eCommerce and online content pro sharing more than 20 years of hands-on know-how with those looking to launch and grow tech-forward businesses. Her expertise includes eCommerce startups and growth, SMB operations and logistics, website platforms, payment systems, side-gig and affiliate income, and multichannel marketing. Krista holds a bachelor's degree in English from The University of Texas at Austin and held senior positions at NASA, a Fortune 100 company, and several online startups.

Free Small Business Plan Templates and Examples

By Kate Eby | April 27, 2022

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We’ve compiled the most useful collection of free small business plan templates for entrepreneurs, project managers, development teams, investors, and other stakeholders, as well as a list of useful tips for filling out a small business template.

Included on this page, you’ll find a simple small business template and a one-page small business plan template . You can also download a fill-in-the-blank small business plan template , and a sample small business plan template to get started.

Small Business Plan Template

Download Small Business Plan Template Microsoft Word | Adobe PDF | Google Docs  

Use this small business plan template to identify trends and demographics in the company overview. Highlight how your product or service uniquely benefits consumers in the offerings section, and note your proposed timeline, milestones, and the key performance metrics (KPIs) you will use to measure your success. This template has all the components of a standard business plan, from the executive summary through financing details.

Small Business Plan Sample Template

Download Small Business Plan Sample Microsoft Word | Adobe PDF | Google Docs  

Use this small business plan sample template to draft the subsections and headings of the contents of your plan. This template provides editable sample text that shows you how to organize and create a ready-to-be-implemented business plan. This sample template helps remove the guesswork of what to include in a small business plan.

Simple Small Business Plan Template

Download Simple Small Business Plan Template Microsoft Word | Adobe PDF

Use this streamlined, customizable, simple small business plan template to chart revenue, expenses, and net profit or loss forecasts with sample graphics. Order your small business plan with numbered subsections and list them in a table of contents. Supplement the plan with additional information in the appendix for a complete business plan that you can present to investors.

Small Business Plan Chart Template

Download Small Business Plan Chart Template Microsoft PowerPoint | Google Slides

Use this small business plan chart template to plan and track month-by-month and annual business planning. The flexible color-coded bar chart simplifies tracking and allows you to customize the plan to meet your needs. Add tasks, track owner status, and adjust the timeline to chart your progress with this dynamic, visually rich small business planning tool.

Small Business Plan Outline Template

Download Small Business Plan Outline Template Microsoft Word | Adobe PDF | Google Docs

Use this small business plan outline template to jumpstart a plan for your small business. This template includes the nine essential elements of a traditional business plan, plus a title page, a table of contents, and an appendix to ensure that your document is complete, comprehensive, and in order. Easily simplify or expand the outline to meet your company’s needs.

Printable Small Business Plan Template

Download Printable Small Business Plan Template  Microsoft Word | Adobe PDF | Google Docs

This print-friendly small business plan template is ideal for presentations to investors and stakeholders. The customizable template includes all the standard, critical business plan elements, and serves as a guide for writing a complete and comprehensive plan. Easily edit and add content to this printable template, so you can focus on executing the small business plan.

Small Business Startup Plan Template

Download Small Business Startup Plan Template Microsoft Word | Adobe PDF | Google Docs  

Use this small business startup plan template to draft your mission statement and list your keys to business success, in order to persuade investors and inform stakeholders. Customize your startup plan with fillable tables for sales revenue, gross profit margin, and cost of sales projections to secure your business's pricing structure.

Fill-in-the-Blank Small Business Plan Template

Download Fill-in-the-Blank Small Business Plan Template  Microsoft Word | Adobe PDF

This small business plan template simplifies the process to help you create a comprehensive, organized business plan. Simply enter original content for the executive summary, company overview, and other sections to customize the plan. This fill-in-the-blank small business plan template helps you to maintain organization and removes the guesswork in order to ensure success.

One Page Small Business Plan Template

Download One Page Small Business Plan Template  Microsoft Excel | Microsoft Word | Adobe PDF

This one page small business plan template is ideal for quick, simple presentations. Use this template to summarize your business overview, market analysis, marketing, and sales plan, key objectives and success metrics, and milestones timeline. Complete the fillable sections to educate investors and inform stakeholders.

One Page Small Business Plan Example

Download One Page Business Plan Example Microsoft Excel | Microsoft Word | Adobe PDF

This one page small business plan example prompts you to list your vision, mission, product or service, team member names, roles, and relevant experience to promote your small business. Use the market analysis, marketing, sales plan sections to detail how you aim to sell your product or service. This small business plan features fillable tables for key objectives and success metrics. Plus, you’ll find space for your financial cost structure and revenue sources to show how your business will remain profitable.

What Is a Small Business Plan Template?

A small business plan template is a roadmap for defining your business objectives and detailing the operational, financial, and marketing resources required for success. Use a small business plan template to strategize growth, forecast financial needs, and promote investment. 

A small business plan template organizes and outlines the content needed to achieve goals for growth and profit, including marketing and sales tactics. As opposed to starting from scratch, using a template makes it easy to organize the information and customize the plan to meet your needs. 

A small business plan template includes standard business plan sections, as well as the following sections: 

• Executive Summary: Summarize the key points in your small business plan in two pages or less to hold your reader's attention and promote buy-in. Write this section last to capitalize on your understanding of the small business plan.
• Company Overview: Describe the nature of your small business, the industry landscape and trends, demographics, and economic and governmental influences. List your location, product or service, and goals to show what makes your small business unique.
• Problem and Solution: Identify and explain the problem your product or service will solve and its costs. Propose and describe your solution and its benefits. Conclude this section with a summary of the problem and solution.
• Target Market: Identify your small business's target market by researching your product and service to determine the most likely demographic. Explain your target market's motivations for buying your product or service.
• Competition: Note the other competitor product or service offerings, pricing, and company revenues to understand how to outperform your competitors. Detail your small business's competitive advantages, based on research.
• Product or Service Offerings: Describe your product or service, how it benefits your target market, and what makes it unique. Highlight how your product or service will outsell competitors.
• Marketing: Detail your marketing plan with objectives and strategy, including goals, costs, and an action plan. A successful marketing plan reduces costs and boosts your product or service sales.
• Timeline and Metrics: Break down your small business plan into smaller activities. Describe these activities (and the performance metrics you intend to use to track them) and list a completion date for each.
• Financial Forecasts: Explain how your organization uses past performance and market research to inform your business's economic forecasts. Estimate growth and profits based on your informed assumptions.
• Financing: List your funding sources and how you intend to use the funds to keep your company on track as it grows. Smart financing at the planning stage prepares your organization for unexpected challenges and helps to mitigate risk.

A small business plan template enables you to complete your business plan quickly and comprehensively, so you can achieve your goals and turn your product or service idea into a profitable reality.

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Business Plan Templates

Free Download

2 Essential Templates For Starting Your Business. Available as an interactive PDF or a Google Docs template.

With this business plan template, you'll be able to:

• Write a company description that sells your story
• Plan for the future: lay out goals and metrics for success
• Describe your product line in detail and plan for how to stand out from competitors
• Consider any legal formalities that require attention when starting your business
• Put together necessary financial projections to make a strong start
• Create your buyer persona and determine your product/marketing fit

Build A Business Plan That Works

Available as a one-page interactive PDF and a full template on both Google Docs and Microsoft Word!

Whether you’re starting a business or drafting a formalized document with  your current business goals, it’s important to clearly defi ne the scope of all aspects of the venture — from mission, to target customers, to fi nances, and beyond.

When just starting out, it can be tempting to think of a business plan as simply your company’s name and a description of your product or service. But in reality, planning a business involves thinking through a lot more details.

In this business plan template we’ll guide you through the steps of writing company and product descriptions, setting sales and marketing goals and plans, and thinking through legal and fi nancial logistics. We've included a  plain text, designed , and  completed example version of this template. 

Frequently Asked Questions (FAQs)

How do you write a business plan.

A business plan is a formal written document that you can use to identify the purpose of your company, make important decisions about your future and help grow your company. HubSpot's free business plan templates provides guidance to establishing your company mission, customer research, competition, and a business strategy to profitability.

Why do I need to fill out the information requested?

We will always keep your personal information safe..

We ask for your information in exchange for a valuable resource in order to (a) improve your browsing experience by personalizing the HubSpot site to your needs; (b) send information to you that we think may be of interest to you by email or other means; (c) send you marketing communications that we think may be of value to you. You can read more about our privacy policy here .

Where can I get a free business plan template?

HubSpot's Free Business Plan Templates are the best way to create a professional, thorough business plan. The templates include instructions and everything you need to know about starting your company.

Is this really free?

Absolutely.

Just sharing some free knowledge that we hope you’ll find useful. Keep us in mind next time you have marketing questions!

What are the basic format of a business plan?

A business plan is a written document that outlines the company's goals, strategy and implementation. The format of the plan varies depending on the type of organization (e.g., for-profit or nonprofit) and size, but most plans share some common features such as an overview, executive summary, and financial information.

What is the best business plan template?

A great business plan template clearly defines the scope of the venture -- from mission, to target customers, to finances, and beyond. HubSpot's business plan template will guide you through the steps of writing company and product descriptions, setting sales and marketing goals and plans, and thinking through legal and financial logistics.

What is needed to start a business?

If you're thinking about starting a business, you'll need to do some research first. You can't just start a business without doing any market research. Market research will tell you if there's an opportunity to turn your idea into a successful business. After that, write your business plan so that you know how much money and time it will take for the project to succeed. Use HubSpot's free business plan template today!

Set yourself up for success with this business plan template

Download the free business plan template.

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FREE Printable Small Business Planner 2021

Do you have dreams of beginning a side hustle or small business but feel overwhelmed with all the start-up tasks you need to do?

Whether you decide to start a small business at home or do work-at-home jobs for extra money, you can get your work organized — and prioritized — with this free printable small business planner.

How Does This Free Business Planner Printable Help You?

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Research shows that when you keep track of anything, you are more likely to achieve the outcome you are working toward. Writing down your goals and then making a plan toward them each day means your work will have greater impact on a daily basis.

Have you ever tried to lose weight? Or run a race? Maybe pay off debt or save money? The only way you achieve your goal is to think about it daily and take action toward it. You probably had a healthy eating plan, workout plan, race training schedule, or budget for your finances.

The same thing goes for your small business goals. Even if you have a good business plan, you need a way to achieve it.

The key to achieving your big goals in a small business or side hustle is to take small steps toward your BIG goal each day. And to do that, you need to make a deliberate plan and start tracking goals. This free printable for small business planning helps you stay focused on your long term plan while taking daily steps toward it .

How Planning Ahead Helps Your Small Business Grow

Before you can really get started with your business planning, set a goal for your first 3 months .

(There is an excellent book called the 12 week year that explains how you can get more done by setting big goals in smaller chunks through out the year. Having that smaller time frame makes pursuing your goals feel more achievable.

It’s important to choose a project that is achievable and measurable. Try thinking of something that feels a little out of your comfort zone … but not completely out of reach. Something that is related to experience you have had in your business and an area you could stretch.

For example, over the next 3 months it would be impossible for me to become a country music singer. I would need serious music lessons that would take longer than 3 months to prepare me to sing in front of anyone! And it’s not related to my business at all!

However, creating a goal to make an extra $1,000 per month in my business is a great goal. It’s measurable and achievable. I can think of several ways to create more income, and it would take about 3 months’ worth of work to hit that number.

Some Project Ideas for Big Goals

• Landing a higher paying side hustle
• Signing 4 new clients in my service based business
• Starting a new side hustle
• Building a team of 4 in my network marketing business
• Developing a new product
• Growing my email list to 1000 subscribers
• Growing my social media to 1000 followers

What’ll yours be?

How to Use This Free Business Planner Printable to Stay on Track

Now that you have a 3 month goal in mind, our free small business management planner includes a place to record your BIG goal along with monthly steps to reach your goal. Then, you can break down your steps into smaller weekly actions that will push you to stay focused every day .

One of the best benefits of this printable is that it’s a visual cue to not lose sight of your business plan. (This is why I like having a printable planner rather than using a goal setting app or business plan software.) Using the printable template, update your goals each week. Keep your weekly business plan somewhere highly visible so you have to look at it every day.

Then, as you plan your days, break down your weekly goal into 3 actionable daily steps that will help move you toward accomplishing your project.

Our lives are very full. We all have things that pull our attention away from our business — whether it is work, family, friends, or just life in general. Make your daily 3 count! These are the non-negotiable things you will do each day to work on your business.

When you try to include more than 3 priorities on your “to do list,” things eventually fall apart. Usually it’s because you don’t have enough time to do all the things you want to do, and more than 3 means that your BIG goal isn’t specific enough.

Remember, we want you to stretch but we also want you to make a real impact in your business !

This planner includes:

• Monthly Goal Setting
• Weekly Goal Setting
• Monthly Income Tracker
• Monthly Expenses Tracker

Not sure what side hustle you want to start? Take the FREE Side Hustle Quiz so you can get started creating a life you love! 

Tracking Income With a Business Planner

Our monthly income tracker sheet is designed to help you keep track of how much money you’re actually making each month.

One of the things I’ve noticed working in small business is that I didn’t keep track of how many hours I was working on a project. So even if I made $100, I wasn’t sure if it was a good income for the amount of time I invested into the project.

Let’s say the project took 10 hours to create — that means I was working for $10 an hour.

Small business owners should be making about $25 per hour because of things like taking out taxes, paying for your own health insurance, covering your materials, etc. So $10 an hour isn’t great!

Keeping track of your income can help you earn more money when you analyze how much you are working, your expenses, and the pay.

One other key item on the monthly income tracking sheet is the “paid” column. It’s important to keep track of who has paid you and who hasn’t. This will help you determine who you want to work with again in the future … the ones who pay on time. And you can keep track of who you need to collect payments. Again, this is a benefit of using a printable planner rather than relying only on accounting software to keep tabs on your net income .

Tracking Expenses With a Business Planner

Our monthly expense tracking sheet is a great way to get insight into your spending habits.

You can see things like…

• ways you can save money on business expenses
• how much you are actually making after expenses

If you are making $1,000 per month but your business expenses are $800, you may want to re-evaluate your business plan. $200 in profit may not be worth the effort depending on how much time you invested in the project .

Tips for Small Business Owners

Get really clear about what you want to achieve with your business, and make it a daily habit to go after it.

It’s never too late to start creating goals for your business. We often think our goals should start in January, but really, goal tracking can start any time.

When I started tracking specific goals in my business, I saw those areas grow! I was amazed that simply focusing on the thing that I wanted to happen helped me to get where I wanted to be.

I hope this side hustle planner helps you get started with growing your income!

Download the FREE small business planner printable

Do you run a small business or have a side hustle?

SmartCents Mom

I can’t seem to download the planner. It goes to Dropbox and then it says the page I am looking for does not exist. Can you please help?

I’m not able to download it either

I really enjoyed reading this i just started my side hustle and I don’t really read blogs or anything. I was needing inspiration and wanted to start the new year fresh and organized so i was looking for a planner. This one caught my eye and just reading the blog made me more interested. Thank you for that!

For some reason i couldn’t download the planner

I’m an ebay reseller and this planner looks like it would be perfect for me but the link is broken. Can you fix it, please? Thanks!

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2022 Small Business Planner

$ 12.00

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Small business owners and aspiring entrepreneurs: If you’re starting a small business in 2022, you need this Small Business Start Up Planner, with everything you need to plan for, launch, and grow your small business!

Over 60 high quality PDF pages that can be printed out again, and again. Create a Small Business Binder to keep everything organized for your business, or use the worksheets as needed to plan and track your success.

This instant download includes the following sections and pages:

Business Start Up – Business Overview – One Page Business Plan – Legal and Insurance Information – Start Up Expenses – One Year of Revenue Projections

Business Goal Planning – 2022 Business Goals – Top 3 Goals for the Year – 2022 Monthly Goals – Goal Planner

Financial Spreadsheets and Trackers – Profit and Loss Tracker – Monthly Income Statement – Income Tracker – Operating Expenses – Monthly Budget – Savings Tracker

Sales Forms – Order Form – Order Tracker – Sales Tracker

Marketing Plan – Brainstorm a Year’s Worth of Marketing Ideas – Editorial Calendar for Online Marketing – Weekly Content Planner – Blog Post Planner – Blog Post Outline

Social Media Metrics and Online Metrics – Social Media Stats Trackers for Instagram, Facebook, Pinterest, Twitter, Other Platforms – Online Stats Tracker for Website, Newsletter, Emails

Miscellaneous Business Reference – Affiliate Programs Information – Affiliate Links Tracker – Password Tracker – Accounts List – Supplier Contacts – Business Contacts

Undated Daily, Weekly and Monthly Planning Pages – One Page Daily Planner – Two Page Weekly Planner – One Page Weekly Planner – One Page Monthly Planner

Dated Calendar Pages for 12 months of 2022

PLEASE NOTE: – This planner is for personal use only. – This file cannot be resold, shared, transferred, or redistributed. – All designs are copyright of One Day Planner.

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Organizing won't magically clear the clutter. Get our FREE guide and discover what will!

Get a Printable 2022 Planner and Calendar for Free!

This post may contain affiliate links for your convenience. Read my full disclosure policy here.

Looking for a way to get organized in style? This 2022 printable calendar has 19 pages of printables with daily, weekly, and weekend planners. There’s an annual At-A-Glance calendar as well as blank monthly calendars. This planner also includes a password tracker and to-do list. Even better? It’s absolutely FREE!

2023 Planner Update: We’ve updated this free printable planner with   a new version for 2023!   Get your free planner sent straight to your inbox   by clicking here , plus you’ll get exclusive access to our Printables Vault where you can access all our previous planners (which contain updated weekly and daily planning pages, so you can use any design you love.)

Love free printables and planning? Check out our FREE printable moving kit and our student weekly planner for organizing schedules and assignments.

It’s here, our annual free printable 2022 planner with daily, weekly, and monthly planner pages as well as an at-a-glance yearly calendar! Reach your goals and organize your life with our pretty planner design. You get 18 power-packed planning pages to stay organized and productive this year…for FREE.

For the past half a decade, the Making Lemonade planner has helped tens of thousands of you keep your days organized and productive. It truly warms my heart to hear stories about how much you adore your planners, and I often hear many of you reusing previous year’s designs that you particularly loved.

Since the Daily Plan, Weekly Plan and Tiny Tasks Checklists are un-dated, you can use them year to year. For example, those who enjoy succulents love this watercolor planner, and if you love adult coloring books or want to save ink you’ll appreciate the black and white planner .

The theme of this year’s planner? It’s all about lemons! This cheery, bright planner will make you smile every time you use it.

Free Printable Daily Planner

The daily sheet is a great planner for the new year to help keep track of daily tasks, goals, and appointments! Keep yourself on schedule with 30 minute blocks throughout the day.

Plus, use the daily sheet to better your health. Track water intake, exercise, and even your meal plan each day.

For weekends, I’ve included a special sheet that allows you to easily jot down your focus for those two days, plus notes.

Free Printable Weekly Planner

Prefer a weekly layout? I’ve created a page that lets you view your entire week at a single glance.

Keep track of your appointments, task list, shopping list, and meal plan for the week all in one single spot.

Take your planning to the next level!

Explore our complete selection of printable planners , from undated options and brand-new layouts.

Free Printable Monthly 2022 Calendars

While I use my digital calendar daily, I am someone who absolutely needs to have a printed version as well!

I usually print two copies of this monthly calendar. One I keep tucked in my planner, and the other I display in our home so our entire family can see highlights and appointments at a glance.

Additional Planning Pages to Organize Your Life

In this free printable 2022 calendar, I also included a couple of extras that I found to be extremely helpful as a user.

• year at a glance – this sheets shows all of 2022 on a single sheet.
• passwords – passwords can be so difficult to keep track of. I jot mine down here so I can find them easily. Of course, if you choose to use this sheet, please be very careful with where you leave your planner. You don’t want this page falling into the wrong hands!
• tiny tasks checklist – this is maybe my favorite sheet in the entire planner! If you are anything like me, you may find that your days are littered with dozens of tiny, irksome tasks that need your attention. Rather than let them take up valuable headspace, I simply jot them down on this sheet and spend 1-2 hours weekly tackling them all at once.
• weekend dashboard – plan for fun or getting things done– or plan for both, using this handy weekend planner.

How To Use The 2022 Calendar & Planner

Here’s the fun thing about planners…there’s no one single way to use them! This planner is made for you to be able to mix and match the pieces together until you find what works best for you and your family.

For example, as a business owner and busy mom, I live by my daily planning sheets. I love being able to plan out my days the evening before and stick to the plan. However, many other people prefer just using the weekly layouts where they can track the most essential things for each day as well as general goals for the week.

The best way this planner will serve you is if you actually use it. So choose which pieces work best for you.

How to Download Your Free Printable 2022 Planner

Getting a copy of the free calendar is so easy. All you need to do is CLICK THE IMAGE BELOW, enter your email, and you’ll get a link sent to you right away. Plus, you’ll also get access to my entire printables library, freebies, and a weekly newsletter that’s packed with helpful tips and tricks.

Easily shop planner favorites by clicking the images below.

I hope you find this planner as beneficial to your life as I have. I would love to hear how you are using it, along with any suggestions for next year’s version!

Grab your free printable 2022 planner by clicking the image below:

Love it pin the free planner so others can organize their live and crush their goals too.

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The Best Small Business Planner For Entrepreneurs in 2022

The best planner for entrepreneurs & small business owners [2022].

Running a personal or small business is hard and chaotic work! Your business is often run by just yourself or a small team of employees that handle everything – the purchasing and finances, event coordination, online sales, website design and maintenance, social media marketing, and more. A small business planner like the Busy Boss Planner can be essential to keeping yourself and your business on track.

Made just for entrepreneurs and small business owners, the spiral bound professional planner has everything you need to organize your marketing initiatives, purchasing, planning, agenda, and more.

As a business owner and blogger without a team of employees I wear a lot of hats. Everything that happens in my business flows through me – and while I love having ownership of every part of my work, it’s a lot to manage! I found early on that I was struggling to keep track of things and to organize my planning and thoughts. I love using spreadsheets and other digital resources, but I needed one central place to keep all of my planning and tracking organized so that I could later dump the data into spreadsheets without forgetting things as they happened.

To help me manage all of the details of running a business I developed the Busy Boss Business Planner, the ultimate planner for small business owners and entrepreneurs.

In this post I’m going to walk you through some of the details of the Busy Boss Planner and discuss how it can help you manage your business. Whether you’re searching for the best productivity planners to use as a self-employed contractor or planners for business owners, I think you’ll find the Busy Boss planner a helpful tool to keep your work organized and reduce your stress level!

The Busy Boss Business Planner Features

The Busy Boss professional planner features 12 months of undated weekly planner pages and monthly calendars to help you organize your business and commitments. Each month is labeled and includes a receipt pocket, purchasing template, advertising campaign tracking, social media/promotion planning pages, brainstorming sheets, and more.

Monthly goal checklists, goal progress tracking, important event reminders, and task checklists are also included in an overview for each month.

With my business I have a ton of different usernames and passwords that I can never seem to remember, even with my computer’s password saving option! Therefore, I’ve also included in the business planner notebook a login and password tracking page.

The planner also features an events and deadlines overview page to give you an easy glance at your year ahead and all of it’s important dates as you plan.

Below are all of the pages and features included in the Busy Boss Planner:

• 12 Monthly calendars (undated)
• 5 Weekly scheduling pages for each month (undated)
• A monthly list for purchases
• A monthly pocket for receipts
• Monthly pages for social media or promotion planning (with space for each day of the month)
• Monthly advertising or marketing campaign tracking
• Monthly notes and brainstorming pages
• Important event lists
• Goal checklists
• Task checklists
• Goal progress tracking
• A logins and password tracking template
• A yearly overview list for important events and deadlines

What are some of the best parts of the Busy Boss Planner?

• The vertical planner is undated so you can start using it at any point during the year and still get full use out of it until you reach the same starting month again next year!
• The approximately 5.5×7.5″ size is thick and robust with all of the Busy Boss business planner features but also fits great into a backpack, purse, or bag on the go.
• You can throw your receipts all in one place when you’re out and about and record your purchasing right away!
• You won’t have to think on the spot about what to post on your social media for the day
• You’ll be able to look back on advertising campaigns and see if they were worth the investment or not
• You won’t have to keep trying to remember all of your passwords and due dates or important events!
• You can keep yourself motivated with business goals by keeping checklists and tracking your progress
• The colorful but “no frills” design doesn’t pressure you to spend time decorating your planner, but still helps you to manage your business with style!

The Busy Boss 2022 spiral planner is the ultimate planner for entrepreneurs and small business owners. Get your business organized and start using one today!

Where can I purchase a Busy Boss Business Planner?

You can purchase a physical copy of the Busy Boss Planner to be delivered to your doorstep using this link to my mom blog shop .

If you’re looking for the best business planner for small business owners or entrepreneurs then where better to find one than from an entrepreneur and small business owner herself?

Bring order to your business and streamline your planning with a copy today.

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Sarah Titus

15 years of serving others in the name of Christ

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Small Business Planner

February 23, 2021

• Pinterest 621

I’ve ran small businesses for 23 years now (total). Most of those years I never really did much to track anything.

When I started blogging, I started keeping a Blogging Binder and it’s been so pivotal to my growth in my blog, but I also really needed something for my other businesses.

Being organized and having a system has really changed everything for me. It’s upped my profits because it’s the best way I can quickly see patterns and it saves me time by being organized!

If you’re a small business, it’s VITAL you have a plan in place and a planner to keep all your pertinent information in one easy and convenient place!!!

This  Small Business Planner is your perfect solution. It has everything you need and nothing you don’t! It’s quick and easy to fill out and won’t suck up a lot of ink. 🙂

• Spines (1″, 1 1/2″, 2″, 3″, 4″)
• Business Values
• Business Branding
• Business Goals
• Ideas Journal
• Monthly Plan
• Weekly Plan
• Password Tracker
• Client Info.
• Monthly Goals
• Suppliers List
• Monthly Trends
• Product Inventory
• Supplies Inventory
• Yearly Profits
• Other Contacts
• Monthly Tracker
• Annual Goals
• Tax Deductions
• Monthly Overview
• Income Tracker
• Expenses Tracker

My Favorite Pages

It’s kind of hard to choose my favorite pages in the Small Business Planner printable because they are all extremely helpful, but I do have a few favs. 🙂

Being a small business owner, things can get hectic! This is a great Daily Plan printable. Everything you need to keep your day organized on one page like a diary!

I know that I NEVER want to miss an important day or event.  That’s why I like this Key Dates printable template. It’s the perfect place to fill in the important dates for your business.

The Income Tracker printable provides space for Month, Date, Description, Source, and Amount. This simple and clean design is easy to read and even easier to fill in!

• Expense Tracker

The Expense Tracker printable provides the same space as the Income Tracker, Month, Date, Description, Source, and Amount. It’s important to keep records of all the expenses for your business!

• Tax Deduction

Another favorite is the Tax Deduction printable. This will also be helpful for your accountant when tax time comes!

See what others are saying about the planner…

Get your Small Business Planner here .

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18 Must-Have Best Planners for Entrepreneurs (2024)

This post contains affiliate links and I may receive a small commission (at no extra cost to you) if you sign up or purchase products or services mentioned. Read the full disclosure here.

Last Updated on October 19, 2023

Looking for the best planners for entrepreneurs to make your 2024 business year the most organized yet? This list is packed full of planners to fit any business owner’s busy lifestyle!

As a busy entrepreneur, you know it’s an absolute must to have proper planning tools. Having the right planner can make or break your productivity, so it’s important to choose the BEST planner that’s most tailored to your needs and lifestyle.

But there are SO many planners out there, so how can you know which one is best for you?! 

Don’t fret, I’ve compiled this list of the best planners for entrepreneurs in 2024 so you can sort through them all in one place! It’s a one-stop-shop over here!

I’m including the best daily planners, weekly planners, business planners for professionals, and productivity/goal setting planners for entrepreneurs! Of all the options, you’re sure to find the planner that’s the perfect fit.

Table of Contents

Top 3 Business Planner Picks

• 2024 Business Digital Planner Bundle – Best Work/Business Planner
• Clever Fox PRO Undated Planner – Best Weekly Planner
• 2024 Daily Simplified Planner – Best Daily Planner

This post is all about the best planners for entrepreneurs

Different types of planners for entrepreneurs.

The best planners for entrepreneurs can come in a few different formats. Are you a pen + paper type of person? Love having everything online in one place? Want something you can print yourself on the cheap? There’s a planner for that!

Whether you need help planning how to start a business or you’re a seasoned pro, you’ve gotta have a format that works for you.

Planner Types by Format

Format and convenience are everything when you think about your day-to-day routine with your planner. Do you hate having to grab your physical planner from another room? If so, digital might be your pick. Do you feel motivated by the feeling of pen and paper? Then you may not want to miss out on a beloved physical planner! 

• Physical planners – this is your traditional planner in paper format, typically with the pages bound together. These may come with pre-printed, pre-dated pages, or undated pages so that you fill in the dates and content yourself. 
• Digital planners – If you hate having to carry something around or dislike being unable to access your planner across devices, a digital planner is perfect for you. There are many apps that sync from your phone, to your tablet, to your laptop! This can be as simple as Google Calendar, or you can purchase curated digital planners that are essentially a traditional planner in digital format. 
• Printable planners – one type of planner you may not have thought about is a printable planner. These types of planners allow more room for your own decoration and are frequently found on Etsy. You can print the pages as many times as you like, too! 

Planner Types by Layout

Many planners may be a mix of more than one of these elements, but sometimes they specialize in one layout in particular. Think about your preferences and needs when it comes to the layout and focus of your planner!

• Daily planners – Daily planners can be as general as an overview of your daily plans, goals, and priorities, or they can get as specific as planning by the hour! Think about your preferences on those as you browse the daily planners for entrepreneurs in this post. If you’re a time blocker, you’ll want the hourly. But if that’s too intense, stick with a general daily overview!
• Weekly planners – If you like to take things week by week and plan all your days out in advance, you’ll want to opt for a planner that has a focused weekly format. I find that these are best during years where I anticipate having a lot of appointments. No one likes a dreadful doctor’s appointment creeping up on them day-of!
• Dedicated business planners – yes, standard daily and weekly planners may do the job, but they don’t include the more business-specific things we need to think about to stay on top of our business. As you get more serious about your business, you’ll certainly appreciate having a wide array of business templates in your planner!
• Goal setting planners – Many generic planners have some space for jotting down your goals, but they stop there. They pay no attention to all the systems that need to be in place in order to work toward the goal! That’s why finding a planner with a detailed goal-setting focus, where you can create an action plan and stay accountable, just makes sense!

Format and layout can make or break your schedule, so choose wisely when choosing among these best planners for entrepreneurs.

Want a quick, free, one-page daily planner you can print again and again? Make sure you grab my FREE printable productive day planner below! It’s perfect to use in a pinch before you decide on the perfect planner!

Want a head start on actually improving your organization and productivity? …and want it free? Sign up for my newsletter below to get the FREE productive day planner sent straight to your inbox!

You will receive your productive day planner shortly.

Top 18 best 2024 planners for busy entrepreneurs

Don’t forget about these life changing planners for entrepreneurs! Pin ’em to come back later!

Best Daily Planners for Entrepreneurs

1. the high performance undated planner.

Starting off this list of the best planners for entrepreneurs, we’ve got a half journal, half planner, full performance agenda!

Start this undated daily planner at any time. You get to work out your day schedule alongside morning + evening mindset journal prompts to keep you focused and aware of what each day brings.

And that’s only the tip of the iceberg. You also get daily goal boxes, weekly habit assessments, monthly project planning, and proprietary whole life balance sheets. Before you know it, you’ll be prioritizing your work/life schedule like a pro!

What’s inside:

• 2-in-1 planner with daily schedule + morning and evening journal prompts
• 60 days, undated, so you can start whenever it’s convenient for you
• Daily pages with morning mindset activities and evening review scorecard
• Weekly pages that allow you to assess your high performance habits
• Monthly Pages that help you strategically outline your long-term goals
• BONUS: you get a free online assessment to track your habits!

RELATED: Gifts for Female Business Owners: 20 Insanely Useful Things She’ll Love

2. Happy Planner Undated Wellness Planner

A very creative option, the Happy Planner has so many cute accessories, stickers, and embellishments perfect for the creative entrepreneur!

This planner is here to help you prioritize wellness in your busy entrepreneur life as you organize your year, reflect on your gratitudes, and practice mindfulness. Undated planners like this one are also perfect if you ever fall off track from your planning because you’ll never waste pages. You just fill in the dates as you go.

• Undated pages
• Unlabeled dividers with month stickers for your own labeling
• Space to write down ways you’re moving, nourishing yourself, staying motivated, and setting intentions.
• Wellness journal sections with reflections, impressions of the day, focuses, grateful moments, and the things you’re loving.

3. Simplified Planner 2024 Daily

What better way to simplify your life than to use a planner MADE for such a thing?! It’s designed minimally on purpose so that you can cut to the chase and get started planning your day the easy way. Pretty much feels the same as starting your day with a breath of fresh air!

• Space for schedule, to-do, notes and meals
• One day per page + shared weekend pages
• Full month views
• 4 notes pages in the front
• Hourly schedule from 6am to 9pm
• 4 pages of Simplified Prep-Work
• Monthly Simplicity Tips
• NEW colorful sticker sheet design
• Pocket inside the front cover

RELATED: New Month Journal Prompts for Goal Setting

4. Daily Planning Package (+ Clipboard + Pen!)

If you’re looking for the full package, this has all of your business planning needs covered! Not only do you get a detailed daily planner notepad, BUT you even get a companion weekly planner.

As if that wasn’t awesome enough… it also comes with a durable clipboard and pen! I don’t think I’ve ever seen a planner come with both a pen AND a clipboard, so this is truly a unique deal.

• 1-Year Daily Planner – 350 pages (50 tear-off pages x 7 days)
• 1-Year Weekly Planner – 50 pages (two-week break for rest!)
• Highly durable clipboard and pen, both made with vegan leather
• Undated and ready to be filled with your dreams, goals, and daily activities

RELATED: Journaling for Entrepreneurs: 40 Business Savvy Prompts

Best Weekly Planners for Entrepreneurs

5. erin condren weekly lifeplanner.

Extremely popular, the Erin Condren Weekly Planner is SO well-designed and ultra-customizable. Aims to keep you organized, reduce stress, and achieve your goals. With its many customization options, you can build the perfect planner that fits your style and schedule!

Also, the covers on these are insanely durable and built to last. I used this planner in high school and would 100% recommend it for any stage in your life, even as an adult. This is one of the best basic entrepreneur planners for 2024!

• Mini months
• Monthly quotes
• Monthly notes and productivity pages
• Dated monthly, weekly spreads
• Additional notes in the back
• Contacts page
• 4 planning sticker sheets
• 1 double-sided pocket folder
• 1 perpetual calendar
• Snap-in ruler

6. Clever Fox PRO Weekly Undated Planner

Straightforward, uncluttered, and easy to use is the Clever Fox PRO planner. I’ve had this planner for years and it never fails me! The weekly view includes everything I could ever want with daily priorities, weekly planning, goals, to-do lists, and habit tracking!

• Short and long term goal planning pages
• Productivity sections
• Undated so you don’t waste pages!
• Vision board pages
• Quarterly goals and mind map
• Monthly review sheets
• 50 dot grid pages in the back for notes

7. Ban.do Weekly Undated Planner

Okay, first things first…what business owner DOESN’T need the reminder on the front of this planner?! I am always having to remind myself that progress is more important than perfection. Anyway…

Ban.do’s planner is perfect for anyone who’s more flexible with their planning needs. They feature weekly note pages, to-do lists, and spaces for reflection. I like that you get the opportunity to think over what went well today and what could be better for tomorrow.

• Artsy cover design
• Concealed spiral
• Sticker page
• Pocket on the inside front cover
• 73 perforated weekly pages and 73 list pages
• Primary layout includes a weekly view on one page and a to-do list on the other

8. Leather 2024 Snap Planner

K, I’ll be honest, you’re going to spend a pretty penny on this planner–but that’s because of the durable full grain leather design (and if you’re on the go a lot, trust me, it’s well worth the money! Nothing worse than torn up planner corners when it’s only halfway through the year.)

This covers all your weekly, monthly, and yearly planning needs. And if you’re a list lover, you will loveee the lists and notes pages for extra checklists, projects, and reminders. This is one classy, high-end planner no doubt!

• 12 month dated calendar agenda
• Full grain durable leather
• 1-Year in Review spread and monthly goals pages for important dates, tasks, and other priorities
• Monthly calendar view and weekly agenda pages for your appointments, meetings, and to-dos
• Lists and Notes pages
• Gold foil stamping on front and back cover; covers made of black cardstock
• Can be personalized

What planners do CEOs use?

Best planners for business owners and entrepreneurs at work, 9. 2024 digital planner bundle for business owners.

This digital business planner has IT ALL! If you need an entrepreneur planner that covers your life and business from A-Z, you’ll want this. There are literally 1,000,000 digital planners in different variations to choose from (yup, you read that right, 1 MILLION!).

It’s highly customizable with 11 different weekly layouts, 8 different daily layouts, and business templates galore. It also helps promote work-life balance by including sections for wellness, fitness, and nutrition too!

Seriously, whatever your business needs are, whether you’re a small business owner or you’re growing like crazy, this will fit them!

• Many business templates like target audience, business goals, sales tracker, tax deductions, content analysis, and so much more
• Productivity, Wellness, Fitness, Nutrition & Finances sections
• Goals section linked to 8 goals pages
• Projects section linked to 8 project pages
• 50,000 stickers in Goodnotes + PNG format
• 500 cover designs

10. Ultimate Business Planner

Rather than a daily/weekly/monthly planner, this business planner takes on a slightly different approach. While it does offer daily and weekly planning and to-do lists, it also goes one step further by including sections for business branding, website building, and social media planning. One of the most comprehensive and best planners for entrepreneurs!

• Over 280 business planner printable pages
• Business planning pages
• Order forms and shipment logs
• Inventory logs
• Business finance planner
• Website building
• Blog planner
• Email planner
• Social media planner
• A year in review

11. Small Business Planner

Unlike the other two business planners and organizers from Etsy, this one is a physical planner! This offers weekly and monthly planning as well as business specifics like branding planning, social media goals, online stats, product idea pages, and more!

• Year At-A-Glance
• Quick Contacts for business-related contacts
• Branding and Demographic visioning
• Revenue chart for a quick look at your profits and expenses
• Recurring Payments tracker
• Social Media goals
• Online Stats tracking
• Events listing/stats and Supply List
• Product Price List
• Product idea pages

Best Productivity Planners for Entrepreneur Goal Setting

12. full focus planner.

This planner stands out because not only does it allow you to plan out your week (as any planner does), but it takes things a step further by helping you reflect on your week in terms of what worked and what didn’t. There is a lot of focusing on properly preparing you for the week ahead, instead of just going through the motions!

Another key feature is the “key projects” pages where you can map out all of your projects for the quarter. Very goal-oriented for sure!

• Designed with a structured achievement program
• Sections for weekly and quarterly previews
• Unique daily framework, separating your highest-leverage activities from your list of daily tasks
• Dedicated goal-setting and project planning sheets

RELATED: 65 Affirmations for Female Entrepreneurs

13. Cultivate What Matters PowerSheets Goal Planner 2024

This results-backed goal planner is organized into 90-day segments–the perfect amount of time to make progress!

This planner prides itself on intention-setting opportunities for choosing the right goals for this season in your life. It also gives you opportunities to revisit and refocus those goals throughout the year.

Before each 90-day window, you can hit the reset button by planning your best routines for the season ahead!

• Streamlined monthly and weekly planning, designed specifically to help you live more intentionally
• Dated weekly planning pages – Monday through Sunday
• Space for your to-do list, top priorities, habit tracking, and a small nudge to tend to what matters most!
• Segmented into 90-day windows with seasonal routine planning

14. BestSelf Journal Goal Setting Planner

This 13-week goal planner is backed by science and psychology, so you know you’ll see results in your productivity. Perfectly designed to better optimize your day, help you crush those goals, and overall live a more fulfilling life!

The Self Journal boasts overcoming “decision fatigue” and helps you focus on what matters most. It’s all about prioritizing your workload, building good habits, and making every day count! This is easily one of the best planners for entrepreneurs. It sets you up for true success.

• Enough pages to guide you through 13 weeks of meeting your goals
• Undated design
• Comprehensive goal-setting page
• Space for everyday bullet journaling
• Space for progress and mindfulness prompts
• Helps to develop daily goal setting and reflection practices through routine encouragement
• Gratitude and self-reflection sections
• Complete guidebook and calendar
• 13-week habit tracker for creating new healthy routines
• Provides space to journal and plan next steps to achieve your goals

15. GoGirl Planner PRO Vertical Hourly Planner

If you love time blocking, this is the planner for you! The GoGirl Planner is a weekly planner with time slots (6am – 9pm) to navigate your daily life the productive way. Also features goal planning pages for all your short and long term goals and helps you create a strategy for achieving those goals. The best perk is that it comes with budget planning pages so you can stay on top of your spending with a monthly financial analysis!

• Weekly planner with vertical time slots + monthly calendar
• Goal setting pages
• Habit tracking pages
• Budget planning sheets
• Comes with a pen holder and 280+ stickers
• Dot-grid pages at the back

16. Poketo Quarterly Goal Planner

Feeling stuck on identifying goals to set? Well, you’re in luck, because this planner has helpful prompts to get your goal ideas flowing!

This quarterly planner is undated and follows all the way through when it comes to goal setting, as you also get to plan the actions you’ll take each week that keep you on track to meet your goals! You get the perfect little game plan to hold yourself accountable for the quarter.

• Quarterly 3 month planner
• Goal setting pages that help you identify potential challenges and plans to celebrate your wins along the way
• Weekly plan that allows space to match your actions/habits to your goals
• Hourly daily layout with short journal prompts to reflect on your day

17. The Daily Grace Quarterly Planner

This quarterly devotional planner promotes spiritual guidance as you navigate your busy life. If you find it tough to manage your business and stay connected to God, this planner will serve as a powerful reminder to prioritize both, if this is your goal!

You’ll get to set quarterly, weekly, and daily goals alongside reflection questions to help you brainstorm those goals and be mindful of your spiritual habits. Includes gospel-centered affirmations to comfort and guide you. 

• Undated devotional planner
• Covers one quarter of the year/roughly 13 weeks
• Monthly spread that gears your attention toward what you wish to accomplish each month
• Weekly actions section with 5 smaller sections: meditate, journal, pray, plan, organize
• Start and end-of-quarter evaluations
• Spiritual disciplines explanation

18. The 12 Week Year Field Guide

This isn’t quite a planner so much as it is a study guide for helping you be efficient and productive. But nonetheless, it is a fantastic business tool you’ll want to have at your fingertips just for the expertise and tips alone!

This is applicable to business growth, career goals, and also just life in general!

Inside, you’ll learn how to…

• Create your own personal and business visions with step-by-step help
• Develop a rock solid 12 week plan for yourself
• Use the many exercises and templates to make your business life a little easier
• Determine a 12 week commitment system that can be applied to your business and life!

Choosing the Right Planner: What to Look For

Every business owner has different needs. When choosing that perfect planner for you out of this list of planners for entrepreneurs, there’s some key features you’ll want to consider before making a decision. Think about what is visually pleasing, what is practical, and what ticks all your boxes!

Dated vs. Undated

When looking at all the planners for entrepreneurs, do you want a planner that already has all the dates filled in for you? Or do you want to be able to pick up and leave off whenever?

Sometimes life gets chaotic and we miss a week or two in our planner. If that tends to happen to you, you may be better off with an undated planner so you don’t waste pages! But if the structure of a dated planner keeps you accountable, that may be your best bet!

The Sections Included

Maybe you want your planner to offer you more than just a calendar. You might want to track expenses, keep lists, track business ideas, brainstorm projects….the list goes on!

If you want a super comprehensive planner that has it all, it may be worth it to seek out a more specialized planner than your run-of-the-mill weekly or monthly planner.

Refillable/Insertable

Some planners allow you to pop in different inserts. This is awesome not only for the customizability, but it’s also far more sustainable, long-lasting, and eco-friendly! Rather than toss out planner after planner each year, you can keep a refillable planner alive forever.

Folders and Pockets

Does the planner feature folders and pockets throughout or in the back? You might not always need these, but they can come in handy for storing business cards, notes, and documents!

Size and Portability

As much as I love a big, large-print planner…sometimes it can get bulky and annoying to carry around.

Especially when it doesn’t fit in my bag! So size and the ability to carry the planner from place to place is definitely something to think about.

If a planner is only going to make your bag that much heavier, it might get old real quick. Think about what will fit in your work bag or backpack and buy accordingly!

Layout Preference

I used to NEED a planner with a vertical, hour-by-hour layout. Now that I use Google Calendar for that function, I like to have my paper planner in horizontal format, where I can just bullet point-list my daily tasks like a to-do list.

Think about what you prefer and what other systems you have in place! If you like to use a digital calendar in conjunction with a paper planner, get a paper planner that offers something your digital calendar doesn’t.

Pro tip: If you’re juggling a ton of tasks, struggling to keep your life organized, AND trying to stay on track with your goals …don’t try to manage your schedule by yourself!

You need to make sure you’re optimizing your time in the best way possible. But what even is “the best way possible”?

Well, you don’t need to waste time figuring that out when the Motion app can literally do it for you.

If you’re sick of feeling like there just aren’t enough hours in the day, Motion can fix that by:

• Automated scheduling that plans your day for you – this app knows exactly how to schedule your daily tasks FOR YOU, in a way that’s most productive for you and your lifestyle.
• Handling emergencies – Motion rearranges everything automatically so that urgent pop-up tasks don’t screw up your day…or your sanity!
• Being a game-changer for ADHD – anyone with ADHD knows the agony of identifying what to prioritize. Motion takes the guesswork out of time management, so you know exactly what to do next!

Motion is the game-changer your schedule has been begging for, so why not give it a shot and lighten your load?

Did these planners for entrepreneurs help you identify the best planner for you?

Whether you’re into goal setting, have a crazy chaotic work schedule, or just want a no-frills simple planner…this list has something for every entrepreneur! From artsy to minimalistic and everything in between, these planners for entrepreneurs offer a huge set of tools to organize your year and make it the best one yet.

Hopefully, your preferences have become a little clearer after weighing all the different variations planners can offer! Because we all know how good it feels to open a fresh new planner that has exactly what we want.

Happy planning!

Don’t forget your FREE productive day planner printable!

More Helpful Tools for Entrepreneurs

Gifts for Female Business Owners: 20 Insanely Useful Things She’ll Love

New Month Journal Prompts for Goal Setting

Journaling for Entrepreneurs: 40 Business Savvy Prompts

65 Affirmations for Female Entrepreneurs

LIKE THESE PLANNERS FOR ENTREPRENEURS? PIN THEM FOR LATER!

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Hey there! I'm Alexa, and I'm a self-care enthusiast and mental health advocate. At Ambitiously Alexa, I'm here to support women like you who are on a mission to achieve allll the things they're passionate about and make time for self care. I make this balance possible through journal prompts, positive affirmations, and self care ideas you'll love! Here's more about me, including my B.A in Psychology...

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Fuze freebies, free printable weekly planner for small business owners & entrepreneurs.

People ask us all the time what we use to manage our daily workload, client projects, and all the minutiae of keeping our small business running like a well-oiled machine. We’ve got one word for you:

Okay, okay, just kidding. Not really. We know it’s a little old school, but we really do swear by our paper planners. We use the daily planning system by our friends over at Day Designer  to manage our work and personal lives, and we can’t recommend it enough. But what if you need a system that keeps your top To Do’s and goals front and center, right in front of your eyes at all times?

We’ve got a free printable for that!

Now you can get those pesky tasks out of your head and onto our freestanding weekly planner, where you can turn them into actionable goals!

• Download our free Printable Weekly Planner Here  | f or Black & White click Here  
• Print on paper of your choice. We recommend using cardstock if you’d like your planner to stand.
• Carefully fold the printed sheet in half.
• Start planning your week. Don’t forget to include a motivational quote to get you going!

What’s your favorite planning system or motivational quote? Let us know in the comments below! We’re always looking for new tips and tricks to incorporate in our planners.

Want a sneak peek into our behind the scenes life at Fuze Branding? Be sure to follow us on Instagram at @fuzebranding .

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» Calendar Templates » Pdf Calendar » 2022 PDF Templates

FREE 2022 PDF CALENDAR TEMPLATES

Download the free printable 2022 PDF calendar templates in both portrait and landscape layout. These monthly, yearly, quarterly and weekly PDF templates are best suitable to be used planner and organizers. Make your own PDF calendar with our PDF calendar maker tool. You can also add your own events to the calendar. We also have many calendar designs available in another format like excel, word etc. Please share this page with your friends and family, so they can take advantage of this free resources.

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2022 Monthly PDF Calendar Templates

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A classic design printable monthly 2022 PDF calendar template with the US holidays. Customize with the calendar creator to add holidays of other countries or include your personal events like the birthday, anniversaries etc. Customize Download

Download this printable monthly 2020 excel calendar in a landscape layout spreadsheet template. The 2020 planner template features large boxes for each day and prior and next months at the top for easy planning. Customize it using our online calendar maker tool. --> Customize Download

Fillable 2022 monthly PDF calendar with holidays in a landscape layout template. Best to be used as a monthly planner with the next and previous month reference. Customize Download

Download this landscape layout monthly 2022 printable calendar in PDF format. Three months at a glance calendar with large box grid and notes space. Customize Download

Download and print this free editable monthly 2022 PDF calendar template with large space for planning and notes. Customize to remove holidays and make blank calendar PDF. Customize Download

Download this editable monthly calendar pdf with large box grid and ample notes space. The landscape layout template contains 12-month calendar with the US holidays. Customize Download

Printable 2022 quarterly PDF calendar template with the US holidays in landscape layout design. Large blank space on the right makes it suitable to be used as the quarterly planner. Customize Download

Easy to print monthly 2022 calendar pdf template with public holidays and three rows of everyday notes space within the large box grid. Download as editable word or PDF calendar. Customize Download

Popular 2022 Calendar Template Pages

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•   2022 Buddhist Calendar
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2022 Yearly PDF Calendar Templates

Download and print this free printable yearly 2022 pdf calendar template. The full year calendar available in one page PDF document. Personalize the PDF template or add holidays of your country using our PDF calendar creator tool. Customize Download

Download and print the most popular 2020 excel yearly calendar with the US holidays in a one-page spreadsheet template. Each quarter of the year arranged horizontally in this calendar template. The template is customizable using our online Excel calendar creator. --> Customize Download

An editable annual PDF calendar template for the year 2022 with holidays and notes space at the bottom. Month calendar for the quarter placed vertically. All the 12-month calendar in a one-page document. Customize Download

Free printable one page annual 2022 calendar pdf in a classic design landscape layout template. This blank yearly calendar features four-month in a horizontal design and does not include holidays. Customize Download

An easy to type in landscape layout 2022 full year calendar pdf template with the US federal holidays. This 2018 PDF template is also available as editable Microsoft word and image document. Customize Download

Free 2022 PDF Calendar Template Service

We provide free printable 2022 PDF calendar in many different layout designs. PDF calendars are available in the yearly, quarterly, monthly, weekly and daily format. These 2022 PDF templates can be edited easily using our PDF calendar maker tool. You can add holidays for many religions including Hindu, Christian, Islamic, Jewish, Buddhist and Sikh. public holidays for more than 50 countries you can include into the 2022 PDF calendars. Though we have separate pages with standard template download for the UK, Canada, and Australia. These calendars can be printed from either home or office printer using A4, Letter or Legal paper. Many different calendar options like organizer, planner or appointment lists are also available in PDF format. Let us know if you are looking for any specific template which is not available on our site. We will develop it and include it in the free download, if appropriate.

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Free Business Planner Printable for 2024

If you are looking for a free business planner printable for your creative business start-up, you will love this business planner for 2024!

Specially designed for creative entrepreneurs, this business planner features 11 pages to outline your business ideas.

You will love the calming pale color palette with stylish, easy-to-read fonts. Such a pretty and helpful business planner to use for all your creative business ideas , goals, and dreams. It’s great for artists, writers, and anyone who wants to start a creative business .

Please note that I offer this free printable small business planner via my email opt-in form.

Along with receiving this lovely entrepreneur planner, you will get added to my email list and receive the latest blog posts as I publish them about once a week.

I send out (very) occasional emails with additional free printables, coupons to my Etsy art shop, and other good stuff a few times a year.

All interesting and creative stuff. Unsubscribe anytime!

**This post may contain affiliate links, meaning I may receive a small commission at no additional cost to you for products you purchase via this website. For more information  click here. **

How to download the free business planner

To get the small business planner printable, simply subscribe at the bottom of this article.

*You will receive an email asking you to confirm your subscription along with a link to download the free printable entrepreneur planner.* Please check your email for this!

As I mentioned, you can unsubscribe from further emails any time you wish. I understand if all you want is the free printable. But I hope you stick around as a subscriber! 😊

The best thing about using a business planner

The best thing about using this planner to be organized is that you can have fun and use it in your own creative way.

There are no rules, and no right or wrong way to fill out the business planner printable.

In fact, although there are checkmarks, boxes, and formatting, I encourage you to write or draw outside the lines! I’m a messy writer myself, and my blog philosophy is based on embracing messy handwriting and creative ideas. I’m an artist at heart, so I cannot help but be a rebel!

I created this business planner printable both for those who like to make business plans in an organized fashion, as well as those who are less organized with their writing and creative ideas.

Know that whichever way you express yourself is ok!

How to use the printable business planner

You will find using this planner to be fairly self-explanatory. Basically, all you need to do is start writing in it! And as mentioned, write in it any way you like that works for you.

Planners are awesome to jot down creative ideas and inspiration that you find on Instagram, on YouTube, in nature, and daily life. They are helpful for bloggers, artists, writers, students, moms, and anyone who enjoys writing, being organized, saving their ideas, or keeping notes.

When I plan art ideas for my Etsy shop and blog , I’ll often gather inspiration from other online sources, magazines, out and about when I’m shopping, and more places.

Sometimes I sketch ideas, sometimes I scribble them, and sometimes I list them. Whatever it takes to capture the ideas before they’re gone.

How can a business planner help you succeed in 2024?

There are a couple of ways using a business planner for your creative ideas can help you succeed.

Obviously, a planner exists to help you plan! You can write out your business goals , expenses, product ideas , and more. A plan is the first step in any creative or entrepreneurial venture. Thoughts become words, words become actions!

Related: 25 Journal Prompts to Find Product Ideas to Sell

Manifesting

Writing in a planner not only gives you clarity of thought but can help you successfully manifest your business plans . By writing your business plan, you can discover obstacles or roadblocks. You can closely examine your creative pathway and mindset. And most of all, gain further inspiration and motivation for your entrepreneurial dreams!

Inspired, excited feelings help you take positive action. In that regard, writing in a planner can help you manifest small business success.

Taking action 

As I mentioned, outlining an entrepreneurial plan is the first step to taking action for your small business.

Devising a plan helps you see clearly, on paper, what it is you want and need to do step by step, day by day, month by month. Planning not only is an action in itself, but it also helps motivate you to take further actions!

Accountability

Writing in a small business planner helps to keep you accountable to yourself. Plus, you can go back to it months or years from now to see how far you’ve grown. Or to see how you may have changed direction in your business.

Related:  How to Boost Creativity: Take the Creativity Challenge

So, what’s included in this business planner?

• Essential business plan page
• Daily planner page
• Weekly planner page
• Monthly planner page
• Website creation checklist
• Product planner
• Goal planner
• Progress tracker
• Income tracker
• Expenses tracker

How else can you use the free printable business planner?

Print out as many copies as you want, (especially useful for daily, weekly, or monthly planner pages.)

• Write, draw, scribble, or paint on it.
• Share with friends.
• Give to family members.
• Use it as inspiration to design your own unique planner.
• Share on your blog or social media so long as you link back to this web page, please.

You cannot:

• Sell the small business planner.
• Plagiarize the design completely.

Free business planner printable

Without further wait, here is the planner. You can download it by subscribing below. *Please check your email, confirm your subscription, and you should see the download.

Please enjoy! (Any trouble downloading, please comment and I can email it directly.)

Inspiration for entrepreneurs, artists, and creative people

Every single business, small or large, starts with a dream. The dream becomes a plan, then the plan starts to become reality. It takes time. Dedication. Inspiration. And hard work.

The entrepreneurial life isn’t for everyone. Not even for most. Most will give up long before success can catch up with them.

And ya know what else? Life happens, too. Sometimes you hold the entrepreneurial vision for years before it’s finally the right time in your life to take action.

I first started experimenting with artistic entrepreneurial ventures way back in 1999 when I was 18 years old. It took until 2018 to finally know myself and understand I had to find a way to be creatively self-employed . And now, I am. It’s an incredible, deeply fulfilling feeling.

So no matter when you’re getting started, know that you can succeed if your heart is in it for the long run.

You have to keep going.

Know that if I can do it, so can you. You have the dream in your heart for a reason, so go get it. And never give up.

Final thoughts

I hope that this small business planner for artists and entrepreneurs can help you succeed in 2024!

I hope that you believe in yourself and know deep in your soul that you have what it takes.

Don’t think you’re not as good as someone else, and don’t compare yourself.

There is room in this Universe for anyone who desires to be a creative entrepreneur, and who works hard to make their vision a reality.

Best wishes on making your small business dreams come true!

You may also enjoy:

50 Journal Prompts to Find Your Purpose When You’re Feeling Lost in your Career

25 Journal Prompts for Success and a Positive Growth Mindset {Plus Free Printable Journal Prompts!}

Having Trouble Finding a Career Path? 2 Legit Reasons You May Not Have Considered .

100 Self-Care Journal Prompts Plus Free PDF Printable Journal Prompts

Kristen Tudeen is the founder of Dream Dash Journal and has worked as a lifestyle blogger since 2018. She enjoys inspiring others to explore their spirituality and creative interests.

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19 Comments

Yay i need this

Thank you. Can’t wait to use this.

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2024 Federal Budget analysis

On April 16, 2024, the Deputy Prime Minister and Minister of Finance, Chrystia Freeland, presented the government’s budget. The budget:

• increases the capital gains inclusion rate from 1/2 to 2/3, effective June 25, 2024 (up to $250,000 of annual gains for individuals will continue to benefit from the 1/2 inclusion rate)
• raises the lifetime capital gains exemption to $1.25 million and introduces a new 1/3 inclusion rate for up to $2 million of certain capital gains realized by entrepreneurs
• confirms previously announced alternative minimum tax proposals effective January 1, 2024, but softens the impact of these proposals on charitable donations
• provides design and implementation details for the clean electricity investment tax credit
• introduces accelerated capital cost allowance (CCA) for, and relief from interest deductibility limitations for debt incurred to fund the construction of, certain purpose-built rental housing
• provides immediate expensing for the cost of certain patents and computer equipment and software
• gives the Canada Revenue Agency (CRA) additional information gathering powers

This Tax Insights discusses these and other tax initiatives proposed in the budget.

Tax measures

Capital gains inclusion rate.

• Lifetime Capital Gains Exemption

Canadian Entrepreneurs’ Incentive

• Alternative Minimum Tax

Employee Ownership Trust Tax Exemption

Volunteer firefighters tax credit and search and rescue volunteers tax credit, mineral exploration tax credit for flow-through share investors.

• Canada Child Benefit

Disability Supports Deduction

Charities and qualified donees.

• Home Buyers’ Plan

Qualified Investments for Registered Plans

Deduction for tradespeople’s travel expenses, indigenous child and family services settlement, clean electricity investment tax credit, ev supply chain investment tax credit, clean technology manufacturing investment tax credit.

• Accelerated Capital Cost Allowance

Interest Deductions and Purpose-Built Rental Housing

Taxing vacant lands to incentivize construction, confronting the financialization of housing, halal mortgages, non-compliance with information requests, synthetic equity arrangements, mutual fund corporations, canada carbon rebate for small business, avoidance of tax debts, reportable and notifiable transactions penalty, manipulation of bankrupt status.

• Scientific Research and Experimental Development

International

Crypto-asset reporting, withholding for non-resident service providers, international tax reform.

• Extending GST Relief to Student Residences

GST/HST on Face Masks and Face Shields

Previously announced, personal tax measures.

The budget proposes to increase the capital gains inclusion rate from 1/2 to:

• 2/3 for dispositions after June 24, 2024 for corporations and trusts, and
• 2/3 for the portion of capital gains realized after June 24, 2024 in excess of an annual $250,000 threshold for individuals

The $250,000 annual threshold would apply to capital gains realized by an individual, either directly or indirectly via a partnership or trust, net of:

• current year capital losses
• capital losses of other years applied to reduce current year capital gains, and
• capital gains in respect of which the Lifetime Capital Gains Exemption (LCGE), the proposed Employee Ownership Trust Exemption or the proposed Canadian Entrepreneurs’ Incentive is claimed

As a result, the following rates will apply to capital gains earned by individuals in excess of the $250,000 threshold who are subject to the top marginal income tax rate (i.e. on taxable income exceeding: $355,845 in Alberta, $252,752 in British Columbia, $1,103,478 in Newfoundland and Labrador, $500,000 in the Yukon and $246,752 in all other jurisdictions).

The budget also proposes to decrease the stock option deduction to 1/3 to align with the new capital gains inclusion rate.  Individuals would continue to benefit from a deduction of 1/2 of the taxable benefit up to a combined $250,000 for both employee stock options and capital gains.

The inclusion rate for net capital losses carried forward and applied against capital gains will be adjusted to reflect the inclusion rate of the capital gains being offset.   

Transitional rules will apply to taxation years that begin before June 25, 2024 and end after June 24, 2024 such that capital gains realized before June 25, 2024 would be subject to the 1/2 inclusion rate and capital gains realized after June 24, 2024 (net of any losses) would be subject to a 2/3 inclusion rate. The $250,000 threshold will not be prorated for individuals in 2024 and will apply only against capital gains incurred after June 24, 2024.

Additional details will be provided in the coming months.   

Earning capital gains through a Canadian-controlled private corporation (CCPC)

In most jurisdictions, the increase in the capital gains inclusion rate makes it less attractive for individuals to earn capital gains in excess of $250,000 through a CCPC instead of directly. The  Appendix shows the resulting income tax deferral (prepayment) and the tax cost for an individual who realizes capital gains in excess of $250,000 and pays tax at the top tax rate.

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Lifetime Capital Gains Exemption (LCGE)

The budget proposes to increase the LCGE on eligible capital gains from $1,016,836 to $1,250,000 for dispositions that occur after June 24, 2024. The indexing of the LCGE to inflation will resume in 2026.

The budget introduces the Canadian Entrepreneurs’ Incentive, which will reduce the taxes on capital gains from the disposition of shares by eligible individuals which meet the following conditions:

• at the time of the sale the share was a share of a small business corporation owned directly by an individual
• used principally in an active business carried on primarily in Canada by the CCPC or a related corporation
• certain shares or debts of connected corporations, or
• a combination of these assets
• the individual was a founding investor and the individual held the share for a period of five years prior to the disposition
• at all times since the share subscription until the time immediately before the sale, the individual directly owned shares with a fair market value (FMV) of more than 10% of the FMV of all of the issued and outstanding shares of the corporation and shares entitling the individual to more than 10% of the votes
• throughout the five year period before the disposition the individual was actively engaged in a regular, continuous and substantial basis in the activities of the business
• the share does not represent a direct or indirect interest in a professional corporation, a corporation whose principal asset is the reputation or skill of one or more employees, or a corporation that carries on certain types of businesses including a business operating in the financial, insurance, real estate, food and accommodation, arts, recreation, or entertainment sector, or providing consulting or personal care services
• the share must have been obtained for fair market value consideration

The incentive would provide a capital gains inclusion rate of one half of the prevailing inclusion rate on up to $2 million in capital gains per individual during their lifetime. The $2 million limit will be phased in over 10 years by increments of $200,000 per year reaching $2 million by January 1, 2034.  

Applying the proposed 2/3 inclusion rate would result in an inclusion rate of 1/3 for qualifying dispositions.  This will apply in addition to the LCGE.

This measure would apply to dispositions that occur after December 31, 2024.

Alternative Minimum Tax (AMT)

The 2023 budget announced amendments to change the calculation of the AMT. Draft legislative proposals were released for consultation in the summer of 2023. (For more information, see our Tax Insights “ Proposed changes to the alternative minimum tax: How will it affect individuals and trusts ”.)

The budget proposes to revise the proposed charitable donation tax credit claim to allow individuals to claim 80% when calculating AMT (as opposed to the previously proposed 50%).

The budget also proposes additional amendments to the AMT proposals including:

• allowing deductions for the Guaranteed Income Supplement, social assistance and workers compensation payments
• fully exempting employee ownership trusts (EOTs) from the AMT, and
• allowing certain disallowed credits under the AMT to be eligible for the AMT carry-forward (i.e. the federal political contribution tax credit, investment tax credits (ITCs), and labour-sponsored funds tax credit)

The amendments would apply to taxation years that begin after December 31, 2023.

The budget also proposes certain technical amendments to the AMT legislative proposals to exempt certain trusts for the benefit of Indigenous groups.

The 2023 budget proposed tax rules to create EOTs. The 2023 Fall Economic Statement proposed to exempt $10 million of capital gains on the sale of a business to an EOT subject to certain conditions.

The budget introduces the conditions for this exemption. The exemption will be available to an individual (other than a trust) on the sale of a business to an EOT where the following conditions are met:

• the individual, a personal trust of which the individual is a beneficiary, or a partnership in which the individual is a member, disposes of shares of a corporation that is not a professional corporation
• the transaction is a qualifying business transfer (as defined in the proposed rules for EOTs) in which the trust acquiring the shares is not already an EOT or a similar trust with employee beneficiaries
• throughout the 24 months immediately prior to the qualifying business transfer, the transferred shares were exclusively owned by the individual claiming the exemption, a related person, or a partnership in which the individual is a member; and over 50% of the FMV of the corporation’s assets were used principally in an active business
• at any time prior to the qualifying business transfer, the individual (or their spouse or common-law partner) has been actively engaged in the qualifying business on a regular and continuous basis for a minimum period of 24 months
• immediately after the qualifying business transfer, at least 90% of the beneficiaries of the EOT are resident in Canada

Where multiple individuals dispose of shares to an EOT as part of a qualifying transfer and meet the conditions above, they may each claim an exemption, however the total exemption in respect of the sale cannot exceed $10 million. The individuals would have to agree on the allocation of the exemption.

If an EOT has a disqualifying event within 36 months of the transfer, the exemption claim will be retroactively denied. If this occurs more than 36 months after a transfer the EOT will be deemed to realize a capital gain equal to the total exempt capital gains. A disqualifying event would result where an EOT loses its status as an EOT or if less than 50% of the FMV of the qualifying business shares is attributable to assets used principally in an active business at the beginning of two consecutive years of the corporation.

The EOT, any corporation owned by the EOT that acquired the transferred shares, and the individual will need to elect to be jointly and severally, or solitarily liable for any tax payable by the individual as a result of an exemption being denied due to a disqualifying event occurring during the first 36 months.  

For the purposes of the AMT calculation the capital gain on the transfer would be subject to an inclusion rate of 30% (consistent with the inclusion rate for capital gains eligible for the LCGE).            

An individual’s normal reassessment period as it relates to this exemption is proposed to be extended by an additional three years.

The budget also proposes to expand qualifying business transfers to include the sale of shares to a workers cooperative corporation, provided it meets certain conditions.

These measures will apply to qualifying dispositions of shares that occur between January 1, 2024 through December 31, 2026.

The budget proposes to double the volunteer firefighters tax credit and the search and rescue volunteers tax credit to $6,000 for the 2024 and subsequent taxation years; this increases the maximum annual tax savings to $900.

The budget proposes to extend the eligibility for this credit for an additional year, so that it will apply to flow-through share agreements entered into before April 1, 2025.

Canada Child Benefit (CCB)

A CCB recipient is no longer eligible to claim the CCB in respect of a child in the month following the child’s death. The budget proposes to extend eligibility for the CCB to six months after the child’s death, provided the individual continued to be eligible for the CCB.

The budget proposes to extend the list of expenses recognized for the disability supports deduction.

It also provides that expenses for service animals, as defined under the medical expense tax credit (METC) rules, will be recognized under the disability supports deduction. The individual will choose whether to claim under the METC or the disability supports deduction.

A foreign charity may register as a qualified donee for a 24-month period where it received a gift from His Majesty in right of Canada and it is pursuing certain activities in the national interest of Canada.  The budget proposes to extend the eligibility of a foreign charity to be considered a qualified donee from 24 months to 36 months.  The foreign charity would also be required to submit an annual information return to the CRA that would be made publicly available. The extension will apply to foreign charities registered after April 16, 2024. The reporting requirements will apply to taxation years beginning after April 16, 2024.        

The budget also proposes to simplify the issuance of official donation receipts by removing certain requirements.

Home Buyers’ Plan (HBP)

To help first-time home buyers, the budget proposes to:

• increase, from $35,000 to $60,000, the amount that an eligible home buyer can withdraw from their Registered Retirement Savings Plan (RRSP) under the HBP, without subjecting the withdrawal to tax, to buy or build a qualifying home (i.e. a first home or a home for a specified disabled individual), effective for the 2024 and subsequent calendar years, for withdrawals made after April 16, 2024
• temporarily extend the repayment grace period by three years, to five years, under the HBP, so that eligible home buyers who withdraw from their RRSP between January 1, 2022 and December 31, 2025 will have up to five years before they need to start repayments to their RRSP

Registered plans (RRSPs, Registered Retirement Income Funds, Tax-Free Savings Accounts, Registered Education Savings Plans, Registered Disability Savings Plans, First Home Savings Accounts, and Deferred Profit Sharing Plans) can invest only in qualified investments for those plans. Qualified investments include mutual funds, publicly traded securities, government and corporate bonds and guaranteed investment certificates. Over the years the qualified investment rules have been expanded to include additional investments for certain plans and to reflect the introduction of new types of plans, but there are inconsistencies and the qualified investment rules are difficult to understand in some cases.

Specific issues are currently under consideration. Stakeholders are invited to submit comments by July 15, 2024 as to how the qualified investment rules can be modernized on a prospective basis to improve the clarity and coherence of the registered plans regime.

Eligible tradespeople and apprentices in the construction industry are currently able to deduct up to $4,000 in eligible travel and relocation expenses per year by claiming the labour mobility deduction for tradespeople. A private member’s bill (Bill C-241) was introduced to enact an alternative deduction for certain travel expenses of tradespeople in the construction industry, with no cap on expenses, retroactive to the 2022 taxation year.

The budget announces that the government will consider bringing forward amendments to the Income Tax Act (ITA) to provide a single, harmonized deduction for tradespeople’s travel that respects the intent of Bill C-241.

The budget proposes to amend the ITA to exclude from taxation the income of the trusts established under the First Nations Child and Family Services, Jordan’s Principle, and Trout Class Settlement Agreement. This will also ensure that payments received by class members as beneficiaries of the trusts will not be included when computing income for federal income tax purposes.

This measure will apply to the 2024 and subsequent taxation years.

Business tax measures

The 2023 budget proposed a refundable ITC for clean electricity, equal to 15% of the capital cost of eligible property. The 2024 budget provides the design and implementation details of the ITC, including the eligibility criteria. It also includes special rules for property that generates electricity from natural gas with carbon capture and property used to transmit electrical energy between provinces or territories, as well as details of the compliance and recovery process.

The ITC will be available only to eligible Canadian corporations, which are defined as:

• taxable Canadian corporations and pension investment corporations
• provincial and territorial Crown corporations (subject to additional requirements)
• corporations owned by municipalities or Indigenous communities

Property eligible for the ITC includes equipment used to generate electricity from:

• solar, wind or water energy (certain class 43.1 property, but hydroelectric installations would not be subject to a capacity limit)
• concentrated solar energy (as defined for the purposes of the proposed clean technology ITC)
• nuclear fission, including heat generating equipment (as defined for the purposes of the proposed clean technology ITC, without the generating capacity limits and other certain requirements of that credit)
• geothermal energy, including heat generating equipment, if it is used exclusively for that purpose (excluding equipment that is part of a system that extracts fossil fuel for sale)
• specified waste materials, as part of a system

Eligible property also includes equipment that is:

• stationary electricity storage equipment and equipment used for pumped hydroelectric energy storage (excluding any that uses a fossil fuel in operation)
• part of an eligible natural gas energy system (special rules apply)
• used for transmission of electricity between provinces and territories (special rules apply)

Previously proposed labour requirements must be met to qualify for the 15% ITC, otherwise a 5% ITC is available. The ITC will be subject to potential repayment obligations, repayable in proportion to the FMV of the particular property when it has been converted to an ineligible use, exported from Canada, or disposed of.

The ITC will be available for new eligible property (i.e. has not been used for any purposes before its acquisition) that is acquired and becomes available for use after April 15, 2024 and before 2035 in respect of projects that did not begin construction before March 28, 2023.

The budget introduces the EV supply chain ITC, equal to 10% of the cost of buildings used in Canada in the following electric vehicle supply chain segments:

• electric vehicle assembly
• electric vehicle battery production
• cathode active material production

To qualify for the ITC, the taxpayer (or member of a group of related taxpayers) must claim the clean technology manufacturing ITC (CTMITC) in all three of the segments (or must claim the CTMITC in two of the three segments and hold at least a qualifying minority interest in an unrelated corporation that claims the CTMITC in the third segment – the building costs of the unrelated corporation would also qualify for the new ITC).

The ITC is effective for property that is acquired and becomes available for use after December 31, 2023. The ITC will be reduced to 5% for 2033 and 2034 and 0% after 2034. Design and implementation details of the ITC will be provided in the 2024 Fall Economic Statement.

The 2023 budget proposed a clean technology manufacturing ITC, and draft legislative proposals were released in December 2023. The 2024 budget proposes to update the clean technology manufacturing ITC for production of qualifying minerals (such as copper, nickel, cobalt, lithium, graphite and rate earth elements) that occur at polymetallic projects (i.e. projects engaged in the production of multiple minerals) by:

• clarifying that the value of qualifying materials will be used as the appropriate output metric when assessing the extent to which property is used (or expected to be used) for qualifying mineral activities producing qualifying materials
• modifying eligible expenditures to include investments in eligible property used in qualifying mineral activities that are expected to produce primarily qualifying materials at mine or well sites, including tailing ponds and mills located at these sites (50% or more of the financial value of the output comes from qualifying materials)

A safe harbour rule will apply to the recapture rule for all qualifying mineral activities, to mitigate against the effects of mineral price volatility on the potential recapture of the ITC, the details of which will be provided at a later date.

Accelerated Capital Cost Allowance (CCA)

Purpose-built rental housing.

The budget provides an accelerated CCA of 10% for new eligible purpose-built rental projects that begin construction after April 15, 2024 and before January 1, 2031, and are available for use before January 1, 2036.

Eligible property will be new purpose-built rental housing that is a residential complex:

• with at least four private apartment units, or 10 private rooms or suites, and
• in which at least 90% of residential units are held for long-term rental

The Accelerated Investment Incentive (AII), which suspends the half-year rule, will continue to apply to eligible property put in use before 2028. The accelerated CCA will not apply to renovations of existing residential complexes, but new additions to an existing structure will be eligible. Projects that convert existing non-residential real estate into a residential complex will be eligible.

Productivity-enhancing assets

The budget provides immediate expensing (i.e. a 100% first-year CCA deduction) for property that is acquired after April 15, 2024 and becomes available for use before January 1, 2027, for the following CCA classes of assets:

• class 44 (patents or rights to use patented information for a limited or unlimited period)
• class 46 (data network infrastructure equipment and related systems software)
• class 50 (general-purpose electronic data-processing equipment and systems software)

The accelerated CCA will be available only for the year in which the property becomes available for use. For a short taxation year, the accelerated CCA must be prorated and will not be available in the following taxation year. Property that becomes available for use after 2026 and before 2028 will continue to benefit from the AII.

Property that has been used (or acquired for use) for any purpose before it is acquired by the taxpayer will be eligible for the accelerated CCA only if both of the following conditions are met:

• neither the taxpayer nor a non-arm’s length person previously owned the property, and
• the property has not been transferred to the taxpayer on a tax-deferred “rollover” basis

The excessive interest and financing expenses limitation (EIFEL) rules restrict a Canadian taxpayer’s deductions for interest and financing expenses, based upon a percentage of its “tax-EBITDA” (i.e. its taxable income, adjusted for items such as interest expenses, depreciation and amortization). For a discussion of the EIFEL rules, see our  Tax Insights “ Bill C-59 ─ Excessive interest and financing expenses limitation (EIFEL) regime .” The EIFEL rules currently include a single sector-specific exemption, for certain interest and financing expenses relating to public-private partnership (P3) infrastructure projects. The budget proposes to extend this election, on an elective basis, for certain interest and financing expenses relating to arm’s length financing that is used to build or acquire certain purpose-built rental housing located in Canada. This exemption will be effective for taxation years beginning after September 30, 2023, consistent with the EIFEL rules more generally. However, this exemption will be available only for expenses incurred before January 1, 2036.

The government is concerned that some landowners are holding residentially zoned vacant land as a speculative investment. The budget announces that the government will consider introducing a new tax on residentially zoned vacant land to spur development. The government will launch consultations later this year.

In March 2024, the government began consultations on how federal policies can better support the needs of all Canadians seeking to become homeowners. The government will provide an update in the 2024 Fall Economic Statement.

The budget announces the government’s intention to restrict the acquisition of existing single-family homes by very large corporate investors. The government will consult in the coming months and provide further details in the 2024 Fall Economic Statement.

The budget announces that the government is exploring new measures to expand access to alternative financing products for home purchasers, such as halal mortgages. These measures could include changes in the tax treatment of these products or a new regulatory regime for financial service providers, while ensuring adequate consumer protections are in place.

The budget proposes several amendments to the CRA’s information gathering provisions in the ITA, with the intent of enhancing the efficiency and effectiveness of tax audits and facilitating the collection of tax revenues on a timelier basis. These changes include:

• allowing the CRA to issue a new type of notice, referred to as a “notice of non-compliance” and to levy a monetary penalty
• permitting the CRA to specify that any required information (oral or written) or documents be provided under oath or affirmation
• imposing a penalty when the CRA obtains a compliance order against a taxpayer, and
• extending the stop the clock rules (which suspend the counting of days in the assessment limitation period), so that these rules apply when a taxpayer seeks judicial review of any requirement or notice issued to the taxpayer by the CRA in relation to the audit and enforcement process, and during any period that a notice of non-compliance is outstanding

Analogous amendments are also proposed to other federal tax statutes administered by the CRA. The budget also proposes certain technical amendments to ensure the rules meet their policy objectives.

These amendments would come into force upon royal assent of the enacting legislation.

The ITA allows a corporation to deduct the amount of any dividends received on a share of a corporation resident in Canada, subject to certain limitations.

One of these limitations is an anti-avoidance rule that denies the dividend received deduction in connection with synthetic equity arrangements. Synthetic equity arrangements include arrangements in which a person receives a dividend on a share, but all or substantially all of the risk of loss and opportunity for gain or profit (the “economic exposure”) in respect of the share are provided to another person.

Where a taxpayer enters into a synthetic equity arrangement in respect of a share, the taxpayer is generally obligated to compensate the other person for the amount of any dividends paid on the share. This compensation payment may result in a tax deduction for the taxpayer in addition to the dividend received deduction. Unless the anti-avoidance rule applies to deny the dividend received deduction, a tax loss would generally arise as a result of the two deductions.

The anti-avoidance rule incorporates certain exceptions, including where the taxpayer establishes that no tax-indifferent investor has all or substantially all of the economic exposure in respect of the share. An associated exception is also available for synthetic equity arrangements traded on a derivatives exchange.

The budget proposes to remove the tax-indifferent investor exception (including the exchange traded exception) to the anti-avoidance rule. This measure would prevent taxpayers from claiming the dividend received deduction for dividends received on a share in respect of which there is a synthetic equity arrangement.

This measure would apply to dividends received after December 31, 2024.

A mutual fund is a type of investment vehicle that allows investors to pool their money and invest in a portfolio of investments without purchasing the investments directly. A mutual fund corporation is a mutual fund organized as a corporation that meets certain conditions set out in the ITA.

The ITA includes special rules for mutual fund corporations that facilitate conduit treatment for investors (shareholders). For example, these rules generally allow capital gains realized by a mutual fund corporation to be treated as capital gains realized by its investors. In addition, a mutual fund corporation is not subject to mark-to-market taxation and can elect capital gains treatment on the disposition of Canadian securities.

To qualify as a mutual fund corporation under the ITA, a corporation must satisfy several conditions, including that it must be a “public corporation”. A corporation can meet this condition if a class of its shares is listed on a designated stock exchange in Canada. A corporation that is controlled by a corporate group may satisfy this condition, and qualify as a mutual fund corporation, even though it is not widely held. The government is concerned that this could allow a corporate group to use a mutual fund corporation to benefit from the special rules available to these corporations in an unintended manner.

Although the government believes this planning can be challenged based on existing rules in the ITA, the budget proposes specific amendments to the ITA to preclude a corporation from qualifying as a mutual fund corporation where it is controlled by or for the benefit of a corporate group (including a corporate group that consists of any combination of corporations, individuals, trusts, and partnerships that do not deal with each other at arm’s length). Exceptions would be provided to ensure that the measure does not adversely affect mutual fund corporations that are widely held pooled investment vehicles.

This measure would apply to taxation years that begin after 2024.

The budget introduces the Canada Carbon Rebate for Small Business, to return a portion of the federal backstop pollution pricing fuel charge proceeds collected from a province. This will be an automatic refundable tax credit for CCPCs with less than 500 employees in Canada in the calendar year in which the fuel charge begins. The tax credit in respect of the 2019-20 to 2023-24 fuel charge years will be available to a CCPC that files a tax return for its 2023 taxation year by July 15, 2024 (with similar timelines for future fuel charge years).

The tax credit amount:

• is determined for each applicable province in which the eligible corporation had employees in the calendar year in which the fuel charge year begins; and
• is equal to the number of persons employed by the eligible corporation in the province in that calendar year multiplied by a payment rate specified by the Minister of Finance for the province for the corresponding fuel charge year

The ITA includes an anti-avoidance rule that is intended to prevent taxpayers from avoiding payment of their tax liabilities by transferring their assets to non-arm’s length persons. The effect of this tax debt avoidance rule is to make the transferee jointly and severally, or solidarily, liable with the transferor for the transferor’s tax debts, to the extent that the value of the property transferred exceeds the amount of consideration given by the transferee for the property.

The ITA contains a number of rules that address various planning techniques employed by taxpayers attempting to circumvent the tax debt avoidance rule, as well as a penalty for those who engage in, participate in, assent to, or acquiesce in planning activity that they know, or would reasonably be expected to know, is tax debt avoidance planning.

The budget includes a new specific measure to address tax debt avoidance planning (although the government believes this planning can also be challenged based on existing rules in the ITA). The measure would apply in the following circumstances:

• there has been a transfer of property from a tax debtor to another person
• as part of the same transaction or series of transactions, there has been a separate transfer of property from a person other than the tax debtor to a transferee that does not deal at arm’s length with the tax debtor, and
• one of the purposes of the transaction or series is to avoid joint and several, or solidary, liability

Where these conditions are met, the property transferred by the tax debtor would be deemed to have been transferred to the transferee for the purposes of the tax debt avoidance rule. This would ensure that the tax debt avoidance rule applies in situations where property has been transferred from a tax debtor to a person and, as part of the same transaction or series, property has been received by a non-arm’s length person. The penalty applicable to those who participate in tax debt avoidance planning would also be extended to this proposed new rule.

In many cases, tax debt avoidance planning is facilitated by a planner who receives a significant fee, which is effectively funded by a portion of the avoided tax debt. The courts have held that a taxpayer who engages in tax debt avoidance planning is normally not jointly and severally, or solidarily, liable for the portion of the tax debt that has effectively been retained by the planner as a fee. The budget proposes that taxpayers who participate in tax debt avoidance planning be jointly and severally, or solidarily, liable for the full amount of the avoided tax debt, including any portion that has effectively been retained by the planner.

Similar amendments would be made to comparable provisions in other federal statutes.

These measures would apply to transactions or series of transactions that occur after April 15, 2024.

The ITA includes a general rule providing that a person who fails to file or make a return or comply with certain specified rules is guilty of an offence, and liable to penalties of up to $25,000 and imprisonment for up to a year. The mandatory disclosure rules in the ITA also include specific penalties that apply in these circumstances, making the application of this general penalty provision unnecessary.

The budget therefore proposes to remove from the scope of the general penalty provision the failure to file an information return in respect of a reportable or notifiable transaction under the mandatory disclosure rules.

This amendment would be deemed to have come into force on June 22, 2023, which is the day the enhanced mandatory disclosure rules received royal assent.

Under the ITA, losses and other tax attributes that arise from expenditures for which a taxpayer did not ultimately bear the cost are generally not recognized. The ITA contains a set of debt forgiveness rules that apply where a commercial debt is settled for less than its principal amount. These rules generally reduce tax attributes by the amount of debt that is forgiven and, where tax attributes have been fully reduced, the rules cause an income inclusion equal to half of the remaining forgiven amount. The ITA also contains a rule that entitles an insolvent corporation to a corresponding deduction to offset all or part of an income inclusion from the debt forgiveness rules.

Bankrupt taxpayers are generally excluded from these debt forgiveness rules. Instead, a separate loss restriction rule applies to extinguish the losses of bankrupt corporations that have received an absolute order of discharge.

The government is concerned that some taxpayers have sought to manipulate the bankrupt status of an insolvent corporation, with a view to benefiting from the exception in the debt forgiveness rules while also avoiding the loss restriction rule applicable to bankrupt corporations. This planning seeks to preserve the losses and other tax attributes of the insolvent corporation (which would otherwise be eliminated upon the forgiveness of its debts), so that these attributes can be acquired and used by a profitable corporation. This planning is the subject of a designated transaction under the notifiable transactions element of the mandatory disclosure rules.

Although the government believes that manipulation of bankrupt status can be challenged based on existing rules in the ITA, the budget proposes a specific legislative measure to address this issue: repealing the exception to the debt forgiveness rules for bankrupt corporations and the loss restriction rule applicable to bankrupt corporations. This change would subject bankrupt corporations to the general rules that apply to other corporations whose commercial debts are forgiven. The bankruptcy exception to the debt forgiveness rules would remain in place for individuals. While bankrupt corporations would be subject to the reduction of their loss carryforward balances and other tax attributes upon debt forgiveness, as insolvent corporations they could qualify for relief from the debt forgiveness income inclusion rule provided under the existing deduction for insolvent corporations.

These proposals would apply to bankruptcy proceedings that are commenced on or after April 16, 2024.

Scientific Research and Experimental Development (SR&ED)

The government launched a consultation on the existing SR&ED tax incentives on January 31, 2024, which closed on April 15, 2024. The budget announces a second phase of consultations, to focus on specific policy parameters, explore how Canadian public companies could become eligible for the enhanced SR&ED ITC and inform how additional funding announced by the budget can support future enhancements to the SR&ED program. Further details of the consultation will be released on the Department of Finance Canada website at a later date.

International tax measures

The Organisation for Economic Co-operation and Development (OECD) has developed a framework for the automatic exchange of tax information relating to transactions in crypto-assets, the Crypto-Asset Reporting Framework (CARF). The budget proposes to implement the CARF in Canada. The new reporting rules will apply to crypto-asset service providers that are resident in Canada, or carry on business in Canada, and that provide services effectuating exchange transactions in crypto-assets. These service providers will need to report certain information regarding their customers and crypto-asset transactions. The budget also includes proposed amendments to the Canadian rules implementing the OECD’s Common Reporting Standard, including changes relating to electronic money products and central bank digital currencies. These measures will apply to 2026 and subsequent calendar years.

A person who makes a payment to a non-resident for services rendered in Canada is currently required to withhold 15% of the payment and remit that amount to the CRA. This is intended to serve as a prepayment of tax that the non-resident may ultimately owe in Canada. Certain non-residents do not owe Canadian tax for these services, e.g. due to exemptions in tax treaties, or exemptions for specific activities like international shipping. In these circumstances, the CRA may provide an advance waiver from the withholding obligation for specific transactions, or the non-residents may apply for refunds of amounts that have already been withheld. The budget proposes to give the CRA legislative authority to grant single waivers that cover multiple transactions occurring over a specific time period, where certain conditions are satisfied. This measure will take effect upon royal assent of the enacting legislation.

The OECD/G20 Inclusive Framework on Base Erosion and Profit Shifting has developed a two-pillar plan to reform the international tax system, as part of the “BEPS 2.0” initiative. On October 8, 2021, Canada and 135 other countries in the Inclusive Framework committed to adopt this plan (for a discussion on that commitment, see our  Tax Insights  “ The new international tax framework and Canada’s digital services tax ”). The budget provides an update on the two pillars of this international tax reform initiative.

Pillar One will introduce new rules for allocating taxing rights between countries to address challenges raised by the digital economy. These rules will generally apply to multinational enterprises (MNEs) with annual revenue above €20 billion and profit margins above 10%. The right to tax a portion of these MNEs’ profits will be reallocated to market countries (i.e. the countries where the MNEs’ users and customers are located).

The budget reaffirms Canada’s commitment to bringing Pillar One into effect as soon as a critical mass of countries is willing to participate. In the meantime, Canada is moving ahead with its plan to enact the Digital Services Tax (DST). Implementing legislation for the DST is currently before Parliament in Bill C-59. The DST will take effect beginning in calendar year 2024, with the first year covering taxable revenues earned since January 1, 2022. (For a discussion of the DST, see our  Tax Insights  “ Digital Services Tax: One step closer to becoming a reality .”)

Pillar Two will introduce a 15% global minimum tax. This tax will generally apply to MNEs with global revenues of at least €750 million. These MNEs will be required to compute their effective tax rate (ETR) in each country where they operate. If the ETR for a particular country is below 15%, a top-up tax will be imposed, to raise that ETR to 15% (this top-up tax may be reduced by a substance-based income exclusion, which is computed based on the payroll costs and net book value of tangible assets located in the jurisdiction). Draft legislative proposals for a Global Minimum Tax Act to implement the Pillar Two regime in Canada were released for public comment in August 2023 (for a discussion of those proposals, see our  Tax Insights  “ Canada releases draft Global Minimum Tax Act ”). The budget states that Canada is moving forward with this implementing legislation and intends to introduce it in Parliament soon.

Sales tax measures

Extending goods and services tax (gst) relief to student residences.

On September 14, 2023, the government announced that it would temporarily remove the GST from new purpose-built rental housing projects (i.e. apartment buildings, student housing and senior residences built specifically for long-term rental accommodation) by implementing an Enhanced (100%) GST Rental Rebate for new qualifying purpose-built rental housing projects (for more information, see our  Tax Insights  “ Enhanced GST rental rebate for rental apartments that begin construction after September 13, 2023 ").

To ensure that universities, public colleges and school authorities can also claim the Enhanced (100%) GST Rental Rebate for student residences that are built for short-term use, the budget proposes to amend the  Excise Tax Act  to allow them to apply the normal GST/Harmonized sales tax (HST) rules that apply to other builders (i.e. paying GST/HST on the final value of the building) in respect of new student housing projects.

The budget also proposes to relax the rebate conditions so that universities, public colleges and school authorities that operate on a not-for-profit basis (i.e. those that would currently qualify for the Public Service Body rebates under the GST/HST) can claim the 100% rebate in respect of any new student residence that they acquire or construct provided it is primarily for the purpose of providing a place of residence for their students.

The proposed measures would apply to student residences that begin construction after September 13, 2023 and before 2031, and that complete construction before 2036.

The budget proposes to repeal the temporary zero rating of certain face masks or respirators and certain face shields under the GST/HST for supplies made after April 30, 2024.

Previously Announced Measures

The budget confirms that the government will proceed with the following previously announced measures, as modified to take into account consultations, deliberations and legislative developments since their announcement or release:

• legislative proposals released on December 20, 2023, which include measures relating to the clean hydrogen ITC, the clean technology manufacturing ITC, concessional loans and short-term rentals
• legislative and regulatory proposals announced in the 2023 Fall Economic Statement, which include measures relating to the Canadian journalism labour tax credit, the expansion of eligibility for the clean technology and clean electricity ITC, the GST/HST joint venture election rules and the Underused Housing Tax
• legislative and regulatory amendments to implement the Enhanced (100%) GST Rental Rebate for purpose-built rental housing announced on September 14, 2023
• the carbon capture, utilization and storage and the clean technology ITCs and labour requirements related to certain “clean economy” ITCs
• enhancing the reduced tax rates for zero-emission technology manufacturers
• flow-through shares and the critical mineral exploration tax credit – lithium from brines
• Retirement Compensation Arrangements
• strengthening the Intergenerational Business Transfer framework
• the income tax and GST/HST treatment of credit unions
• a tax on repurchases of equity
• modernizing the General Anti-Avoidance Rule
• global minimum tax and DST
• technical amendments to GST/HST rules for financial institutions
• providing relief in relation to the GST/HST treatment of payment card clearing services
• extending the quarterly duty remittance option to all licensed cannabis producers
• revised Luxury Tax draft regulations to provide greater clarity on the tax treatment of luxury items
• technical tax amendments to the ITA and the Income Tax Regulations
• legislative amendments to implement changes discussed in the transfer pricing consultation paper released on June 6, 2023
• tax measures announced in the 2023 budget, including the dividend received deduction by financial institutions
• substantive CCPCs
• technical amendments to the ITA and Income Tax Regulations
• legislative amendments to implement the hybrid mismatch arrangements rules announced in the 2021 budget

The budget also reaffirms the government’s commitment to move forward, as required, with technical amendments to improve the certainty and integrity of the tax system.

Integration – Capital gains ($)

(taxation year ended December 31, 2024, and $10,000 of capital gains earned after June 24, 2024)

This table shows:

• the income tax deferral (prepayment) if capital gains in excess of $250,000 are earned and retained in a corporation as opposed to being earned directly by an individual
• the tax (cost) if the after-tax corporate income is paid out as a dividend to the shareholder in 2024

The table assumes:

• the individual is in the top marginal tax rate
• no capital gains deductions are available
• the non-taxable portion of the capital gain is distributed as a tax-free capital dividend
• the taxable dividend paid is sufficient to generate a full refund of refundable tax 

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Tax Insights: 2024 Federal budget ─ Supporting housing, raising taxes

Dean Landry

National Tax Leader, PwC Canada

Tel: +1 416 815 5090

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