BankDeMark.com
Understand your money. Run your business. Build your financial future.
Use free financial calculators and guides, manage your business finances with BankDeMark Command, or create invoices with BankDeMark Invoice.
Financial Tools
Calculators and plain-English guides for mortgages, TFSA and RRSP, debt payoff, retirement, budgeting and business profit — with Canadian rules built in.
Browse free calculators →Small-business bookkeepingBankDeMark Command
Track income and expenses, send invoices, see profit and GST/HST totals, and ask the Zylx assistant about your numbers — for one business or several.
See how Command works →Standalone invoicingBankDeMark Invoice
Create an invoice, send it as a PDF or link, and track payment, with GST/HST and QST worked out by province. Unlimited invoices, even on the free plan.
See how Invoice works →Run the numbers before you decide.
Each calculator shows its assumptions, explains the result and links to a guide. They are educational estimates, not advice.
Mortgage Calculator
Canadian payments with semi-annual compounding.
Open calculator →RRSP Calculator
Contribution room, tax refund and growth.
Open calculator →TFSA Calculator
Room and tax-free growth over time.
Open calculator →Profit Margin Calculator
Gross and net margin, markup and break-even price.
Open calculator →Debt Payoff Calculator
Avalanche vs snowball, month by month.
Open calculator →Compound Interest Calculator
See how contributions grow.
Open calculator →Command or Invoice?
Pick the app that matches the job.
Both run on one BankDeMark account and share the same records. Start with either; 1 business, 1 client and unlimited invoices are free, with no credit card.
| Feature | BankDeMark Command | BankDeMark Invoice |
|---|---|---|
| Best for | Doing the books for one or more businesses | Billing clients, nothing more |
| Create, send and track invoices | Yes — unlimited | Yes — unlimited |
| GST/HST and QST on invoices | Yes | Yes, worked out by province |
| Income and expense tracking | Yes — entry, bulk paste, bank CSV import | — |
| Receipts | Upload and store with the entry | Evidence files on an invoice |
| Reports | Profit & loss, results by brand, GST/HST/QST totals, accountant package (CSV/ZIP) | Invoice CSV export |
| Several businesses or brands | Yes — up to 10 businesses, brands inside each | Uses the same businesses as Command |
| Shopify order invoices | Yes, via Zylx Studio | — |
| AI help | Zylx assistant answers questions; suggestions wait for approval | Draft an invoice from a sentence |
| Online card payments | Not yet | Not yet |
Optional: Zylx Studio
Connect your books to the rest of your business.
BankDeMark organises your financial records. Zylx Studio connects those records with the rest of your business.
Zylx Studio is a separate business-intelligence platform from the team behind BankDeMark. You do not need it to use Command or Invoice. If you connect it, you choose exactly what it may read or do — and it can never send an invoice without your approval in BankDeMark.
Connected, it is also how Command turns paid Shopify orders into invoice records.
How Zylx Studio connects →Learn the rules behind the numbers.
Educational guides on Canadian and US personal finance and small-business money, reviewed against primary sources.
Questions
BankDeMark, answered plainly.
What is BankDeMark?
BankDeMark is a Canadian personal and small-business finance site. It publishes free financial calculators and educational guides, and it makes two web applications: BankDeMark Command, bookkeeping software for small-business owners (income and expenses, invoices, reports and an AI assistant), and BankDeMark Invoice, a standalone invoicing app with Canadian sales tax. Both apps run on one BankDeMark account.
Is BankDeMark free?
The calculators and guides on bankdemark.com are free with no account. Command and Invoice share one free plan (1 business, 1 client and unlimited invoices, no credit card). Paid plans are $12, $24 or $49 CAD a month and raise the business, client, receipt and AI limits. One subscription covers both apps. There is no free trial because the free plan does not expire.
What is the difference between BankDeMark Command and BankDeMark Invoice?
Invoice does one job: create, send and track invoices. Command is full small-business bookkeeping — income and expenses, receipts, reports and sales-tax totals — and includes the same invoicing. Both use the same BankDeMark account and the same records, so an invoice made in one appears in the other. Choose Invoice if billing is all you need; choose Command if you want to see what the whole business earned.
Can BankDeMark create invoices from Shopify orders?
Command can turn paid Shopify orders into invoices for your records. The Shopify store is connected through Zylx Studio (there is no separate BankDeMark Shopify app yet). Once you link Zylx Studio and allow it to read Shopify orders, Command lists your recent orders and creates an issued, paid invoice for each one you choose — one at a time or all new paid orders at once. Nothing is sent to your customer. Orders with tax-inclusive pricing, tips, duties, gift cards, refunds, cancellations or test orders are skipped.
Can I manage more than one business or brand?
Yes, in Command. Each business has its own separate books on one login: 1 business on Free and Starter, 3 on Pro and 10 on Business. Inside a business you can add brands, see results by brand and split shared costs between them.
Does BankDeMark handle Canadian sales tax?
Invoices handle Canadian GST, HST and QST. BankDeMark Invoice resolves the rate from the client's province and your registrations; provinces with PST, and clients outside Canada, are flagged for you to review. Command reports GST/HST and QST collected and paid. Nothing is filed or remitted for you, and US sales tax is not supported.
How does Zylx Studio work with BankDeMark?
BankDeMark organises your financial records. Zylx Studio connects those records with the rest of your business. Zylx Studio is a separate, optional platform. The business owner connects it from Command and chooses each permission — reading a summary, reading Shopify orders, recording entries or drafting invoices. Zylx Studio can never send an invoice on its own: each send waits for the owner to approve it in BankDeMark.
Can AI organise my transactions?
Partly, and always with your approval. Command's built-in assistant, Zylx, can find uncategorised entries and propose categories or new entries; nothing is saved until you approve the suggestion. When it reports a number, the app calculates the figure and the assistant explains it. It does not categorise automatically in the background, and it is not an accountant or tax adviser.
Is BankDeMark accounting software?
BankDeMark Command is bookkeeping software for business owners: it keeps your income, expenses, invoices and sales-tax totals and produces a profit-and-loss report. It is single-entry, not a double-entry accounting system, it has no balance sheet yet, and it does not file taxes. Many owners use it alongside an accountant, handing over its accountant package at year end.
