Practising bookkeepers
T1 packages, T2125, GST/HST returns, payroll remittances. Get to the right form, line and edition without reading five CRA pages to find it.
Ask Immer
Tax answers with the source and its date.
A tax research assistant for bookkeepers in Canada. It reads only official publications, and when they do not cover a question, it says so.
Multilingual answersBy invitation. The button opens your mail app.
Which line of the T2125 do I use for advertising?
Searching the catalogue…
Advertising expenses go on line 8521, in Part 4 of Form T2125.1
Source
1T2125 Statement of Business or Professional Activities
2025 edition · line 8521 · page 3 · dated 9 Feb 2026
And when there is no source
Which line of the US Form 1040 do I use for a client's Canadian wages?
This is not in the reviewed knowledge base. The catalogue holds only Canadian publications and no IRS forms, so there is nothing to cite for a US return. Check the IRS instructions for Form 1040, or ask a cross-border tax specialist.
Who it is for
People who prepare returns and keep books for others, and need to show where a rule is written.
When a client asks why
A client wants to know why they must register for GST/HST, or where it says an expense can be deducted. Each fact comes with the document, its date and a link to the page it is on, so you can show the rule itself, not just your word for it.
New to Canadian bookkeeping
Terms are explained the first time they appear, and every rule comes with the document it is written in, so you learn the source, not just the answer. Point at a form code to see what the document is, in the publisher's own words.
What happens when you ask
The same four steps sit behind every answer.
01
It searches first
Before anything is written, your question is searched against the reviewed catalogue. The answer is written from the passages found; what a model remembers does not count as a source.
02
It asks when it matters
If the answer depends on the province, the tax year or whether someone is employed or self-employed, it asks first and gives you options to click, instead of answering every case at once. A client profile answers many of these for you.
03
It answers briefly, with sources
Three to five sentences first, each fact numbered to its source, and the full reasoning one click away. Every source shows the document's date and opens the original; a PDF opens at the right page.
04
It checks the figures
Every amount, rate and threshold is checked on the server against the cited passages, your own documents or a calculation shown on screen. A figure it cannot trace is flagged for you to check.
Why not just ask a general AI chat?
A general-purpose chat is useful for many things. But a figure that goes on a client's return has to be written somewhere you can point to, in the edition for the right year.
| Compared | A general-purpose AI chat | Immer |
|---|---|---|
| Reads from | Whatever it learned in training, sometimes the open web | Only official publications in a reviewed catalogue |
| Shows its source | Sometimes a link, rarely the page or the date | The document, its date and a link to the page, beside each fact |
| When it has no source | Often answers anyway | Says: “This is not in the reviewed knowledge base.” |
| Figures | Not checked against anything | Checked on the server; anything it cannot trace is flagged |
| Tax years | Editions and years can blur together | Each document carries its date and tax year; last year's guide stays for last year's return |
| Client identifiers | Sent as you pasted them | In what you type and attach, the SIN, business, card and bank numbers are masked on the server first |
What it reads
Official publications only, downloaded and dated wherever the publisher dates them: 1,041 documents from 13 jurisdictions (federal, and every province and territory except Quebec).
- documents
- 1,041
- jurisdictions
- 13
- forms
- 627
- carry a document date
- 1,033
By kind
Forms
T1 packages for each province and territory outside Quebec, T2 and its schedules, T2125, GST/HST forms, TD1
Guides
T4002, T4012, RC4022, T4001, T4127, T4130 and more, chapter by chapter
Legislation
Income Tax Act and Regulations, Excise Tax Act, Canada Pension Plan and Employment Insurance Act with their consolidation dates, and several provincial tax acts
Bulletins
GST/HST notices, income tax folios, provincial sales-tax bulletins
Rates
Tax brackets, prescribed interest rates, CPP and EI maximums, GST/HST rates, payroll deduction tables
Not in the catalogue: Quebec's own returns and taxes (TP-1, CO-17, QST), US returns, court decisions and accounting standards. Asked about them, Immer says so rather than improvising.
How it stays current
Publishers change forms and guides during the year. The catalogue is checked every week, and nothing new becomes citable until a person has read it and approved it.
Watch
Every Sunday the publishers are checked for changed documents. The CRA is checked through its sitemap and official news feeds.
Compare
Changed documents are downloaded and compared by their text, so a redesigned page does not count as a change.
Review
A person reads what changed (the old passage, the new one and the date) and decides.
Approve
Only then does the new version become citable. The previous edition stays, because a 2024 guide is still right for a 2024 return.
Your clients' data
Everything you keep here is stored in Canada. To write an answer, masked text is sent to two services in the United States.
Stored in Canada: the database, the files and the application run in Montreal. Your clients, their documents and your conversations are kept there.
In your questions, attached documents, photos and client notes, the SIN, business number, card and bank account numbers are masked on the server before anything is sent to the AI model.
Photos are read on the same server in Montreal. The image itself does not leave it; only the masked text does. A photo that cannot be read is refused, not guessed at.
A document kept on a client's file is stored masked. The original is not stored at all.
The name on a client's profile stays here. The model sees the province, taxpayer type, tax years and your masked notes. It never sees that name.
Client documents never enter the knowledge base, and your clients, documents and conversations are visible to your account only.
What is processed in the United States
Two services in the United States take part in each answer: the AI model (Anthropic), which writes it, and the search service (Voyage AI), which helps find the passages. Everything from you reaches them already masked. The model receives your question, the passages found, the client's profile details except the name, and any documents in use; the search service receives the question and the searches made from it. Your records are stored in Montreal.
It does not file returns and does not connect to accounting software. It finds, quotes and explains; you decide, and you file in your own tax software.
Pay for the questions you ask
You top up with prepaid credits, and each answer uses a fraction of one. There is no subscription and no monthly fee.
- No subscription, no monthly fee.
- Credits do not expire.
- Your balance and what each answer used are shown in the app.
Top up
Choose a pack and pay by card on Stripe’s payment page. Your card details go to Stripe; this site never sees them.
Ask
Ask as you normally would. Your balance is checked before a question is answered, and the app always shows it.
Each answer uses a little
An answer uses a fraction of a credit: more when it has more to read and write. The app shows what each answer used.
Top-up packs
CA$1 = 10 credits
CA$10
100 credits
CA$25
250 credits
CA$50
500 credits
20 free credits to start
Every new account starts with them: typically enough for about 11 to 50 questions.
What a credit buys
In our measurements (10 answers, September–October 2026), an answer used between about 0.4 and 1.8 credits, most around 1. Long answers with several searches or attached documents can use more. So CA$10 typically covers about 55 to 250 questions. An estimate, not a promise.
Card top-ups open soon. Access is by invitation, and every new account starts with its free credits.
Questions bookkeepers ask
Where do the answers come from?
Only from a reviewed catalogue of official publications: CRA and provincial forms, guides, legislation, bulletins and rate tables. The assistant searches the catalogue before it writes, and every fact in an answer cites the document it came from, with that document's date.
What if the catalogue does not cover my question?
It says “This is not in the reviewed knowledge base.” Then it explains what is missing and where to look: a CRA page, the CRA itself or a specialist. It does not fill the gap with a guess.
Can it still be wrong?
Yes. It is an AI model writing from the passages it found, and it can misread one. That is why every fact shows its source, every figure is checked on the server, and a figure it cannot trace is flagged. Open the source before you rely on an answer; it is one click away. This is informational support, not professional advice.
Which languages can I ask in?
English, Ukrainian or Polish: the answer comes in the language of your question. Form names, line numbers and quotations stay in English, as they are printed, and are explained in your language.
I am new to bookkeeping in Canada. Is it for me?
Yes. Terms are explained the first time they appear, and each rule comes with the document it is written in, so you can see where the answer lives. Point at a form code in an answer to see what that document is, in the publisher's own words.
Does it cover Quebec?
Not yet. Quebec's own returns and taxes (TP-1, CO-17, QST) are outside the catalogue, and the assistant says so instead of answering from memory. Federal law that applies in every province, such as the Income Tax Act, is in the catalogue.
How current is it?
Publishers are checked for changes every week, and a change becomes citable once a person has reviewed and approved it. Every citation shows the document's date, so you can see how current a source is. Older editions stay available for prior-year returns.
What happens to my clients' data?
It is stored in Canada: the database, the files and the application run in Montreal, and that is where your clients, their documents and your conversations are kept. Before anything is sent to write an answer, the SIN, business, card and bank account numbers are masked on the server, and the name on a client's profile is never sent. Two US services then process that masked text: the AI model (Anthropic) receives the question, the passages found, the client's profile details and any documents in use, and the search service (Voyage AI) receives the question. Your clients and conversations are visible to your account only.
Does it file returns or connect to my accounting software?
No. It does not file anything with the CRA and has no connection to accounting software. It helps you find, read and explain the rules; you file in your own tax software.
How do I get access, and what does it cost?
Access is by invitation while the assistant is being tested: use “Request access” to send a short email with who you are, your province and the kind of clients you work with. You pay as you go with prepaid credits; there is no subscription. Every new account starts with 20 free credits. Top-up packs are CA$10, CA$25 and CA$50 (100, 250 and 500 credits), paid by card on Stripe’s payment page. Credits do not expire.
How many questions does a credit buy?
An answer uses a fraction of a credit, depending on how much it had to read and write. In our measurements (10 answers, September–October 2026) that was between about 0.4 and 1.8 credits, most around 1; long answers with several searches or attached documents can use more. So the 20 welcome credits typically cover about 11 to 50 questions, and CA$10 about 55 to 250. The app shows your balance and what each answer used.
Request access
Immer is open by invitation while it is being tested. Write a few lines about your practice; invitations are sent by email.
Request accessOpens a message in your own mail app, with a few questions already in it. This site has no form and keeps no list.
