BlueAnchor

Receipts, expenses and filing · work and personal

One app for your work and personal spending, ready when you file.

Photograph a receipt and it goes where it belongs: the business, the side business, or your own pocket. At the end of the year you get the lines, the amounts, and the document behind every one of them.

One email, when it opens. No newsletter, no sequence, and your address is never sold or passed on.

No launch date No price yet iPhone and a Mac, Android to follow

The one you did not keep is the one you get asked about.

A year of card charges, each with its receipt behind it, and one without.

Seven blank paper receipts in a row on a dark navy surface, with one slot conspicuously empty, marked $612.40, no receipt.

The ones you kept are stored read only and content addressed, so the vault can show later that nothing was altered.

The one you did not is the charge you will be asked to support. BlueAnchor names it while you can still do something about it, rather than in the week the letter arrives.

How it works

Photograph it. That is your part.

Work lunch or a personal one, the same app takes it. By the time you file, the lines are already written.

The BlueAnchor capture screen. A camera button reads photograph a receipt, and below it two receipts just captured, one for nine hundred and twenty six dollars and one for two hundred and forty one.

Photograph the receipt

At the counter, in four seconds. Thermal paper fades, and the record has to outlive it: six years in Canada, three and up to seven for the IRS.

The BlueAnchor review screen for a two hundred and forty one dollar catering receipt, flagging that the supplier's GST number is missing and twenty nine dollars sixty eight of credit is blocked until it is.

Answer one question

Which business, or was it personal? Confirm once and that merchant is never asked about again.

The BlueAnchor books screen showing separate totals for two businesses and for personal spending, with counts of documents stored and charges with no receipt.

The books stay apart

Each business, and your own spending, in its own set of books. All year, without you sorting anything.

At the end of the year, the numbers are already there

Open the vault on your Mac and every figure you have to enter is written out, with the receipt behind each one. What is still missing is named while you can do something about it.

The BlueAnchor filing screen on a Mac, listing GIFI lines with amounts, the GST HST return lines, and a panel headed before you file showing credits at risk and four card charges with no receipt behind them.

Screens from the app in testing. Figures are an example, and the businesses are made up.

What comes out

Exactly which lines. Exactly what amounts.

With the document behind every figure, and a list at the end of what is still missing.

Northfield Charters Ltd.

2026 filing pack

T2, Schedule 125 (GIFI)Year end 31 DecemberNova ScotiaGST/HST registrant

Expenses, enter these amounts

LineAccountItemsAmount
8521Advertising224,182.55
8523Meals and entertainment313,116.40
8710Interest and bank charges481,104.36
8810Office expenses191,655.18
8860Professional fees96,450.00
9110Sub-contracts1218,900.00
9150Software and computer-related9611,742.83
9200Travel expenses175,207.61
9281Motor vehicle expenses293,318.09
Nine of thirteen lines shown33763,211.23
NET INCOME85,288.77

Schedule 1, book income to taxable income

Non-deductible portion of meals and entertainment1,558.20

ITA 67.1

Schedule 125 carries the full amount at GIFI 8523. Half is added back here.

GST/HST return

105Total GST/HST and adjustments20,790.00
108Total ITCs and adjustments8,329.19
109Net tax OWING12,460.81

Before you file

4 receipts miss CRA-required fields$147.63 of ITCs affected
75 card charges have no receipt$4,880.44 unsupported
9 expenses still need a decision

BlueAnchor does not file this and does not give tax advice. It gives you the lines, the amounts, and the document behind each figure. A person files the return.

The charges with nothing behind them, ordered by which receipt matters most
ChargeAmountCRA evidence tierTax affected
Unnamed vendor12 Mar$612.40$500 or more$75.21
Fuel, Visa 44173 May$488.75$100 to $499.99$60.02
Trade supplier19 Jun$344.90$100 to $499.99$42.36
Hardware store14 Aug$105.00$100 to $499.99$12.89
Coffee shop14 Aug$99.00Under $100$12.16
The last two are six dollars apart and BlueAnchor treats one as far more urgent than the other. At $100 the CRA starts requiring the supplier's GST/HST registration number, and only the receipt carries it. Sorted by amount, those two sit next to each other and the one that matters gets buried.

The $100 and $500 evidence tiers are from CRA guide RC4022. The $30 and $150 still printed by several accounting sites were superseded in April 2021. Example books: the rules are real, the company and the amounts are not.

This is what comes out at the end of a year. Nothing to buy yet, and the pricing will be in the launch email.

Who it is for

If your spending is split between work and the rest of your life.

Work on one card, life on the same card

A company, a side business, a bit of freelance, and your own spending, all going through the same one or two cards. Tell BlueAnchor once which is which and every charge after that lands in the right place on its own.

Two or three entities

You do your own taxes, or you hand it all to someone

Either way the year has to arrive in one shape. BlueAnchor produces the filing lines, the GIFI or T2125 codes, and the document behind each figure, so the handover is a file rather than a conversation about what a charge was.

June and April

You drive for one of them

Drives are recorded as they happen and priced at the rate your country actually publishes. Canada, the 2026 tax free allowance, both tiers: $0.73 to 5,000 km, then $0.67, and $0.77 and $0.71 in the territories. The United States, the IRS standard rate per mile, which it revises mid year: 72.5 cents from January 2026 and 76 cents from July. One average rate is wrong for anybody who actually drives.

Mileage

Straight about it

What it does, what it will not do, and the question we have not settled.

It does

  • Keep several sets of books apart, and route a card to one of them
  • Produce T2125 line numbers, GIFI codes, and the GST/HST return
  • Check each receipt against the CRA's own evidence tiers
  • Keep the original read only and content addressed, and show nothing was altered

It does not

  • File anything, or give tax advice. We are not accountants and do not act as any
  • Claim any endorsement by or relationship with the CRA or the IRS
  • Run payroll, or compute the accelerated capital cost allowance incentive
  • Support the United States, or run on Android yet

Every tax figure has a citation and a date

The evidence tiers are $100 and $500, from CRA guide RC4022. Several accounting sites still print $30 and $150, superseded in April 2021. Open the guide. It takes thirty seconds and it is the fastest way to find out whether we do our homework.

The question we have not settled

To read a receipt, the image is sent to a vision model and the text comes back. That provider's terms allow it to cache the image outside Canada, and the CRA has published nothing on whether that counts as keeping a record abroad. We are not going to pretend the question is settled, and we are costing an in-Canada replacement.

Your records are a folder on your own machine

The vault is your original documents and a database on your Mac. If this company stops existing tomorrow, your books still open. Backups are copies, never the record.

For bookkeepers

Chase one charge instead of chasing a client.

Everyone else sells you a ledger. This is the client side of it: the thing that decides what state the folder arrives in.

We are picking a few firms before this opens

You get: early access ahead of the public release, and direct input into the filing pack while it can still be shaped.

We want: a handful of real client situations to test against, and blunt feedback on what the pack is still missing. No fee in either direction, and about an hour of your time, twice.

Trevor reads these himself and replies personally. No sequence, no chatbot.

Before you ask.

Do I need a Mac as well as an iPhone?

Yes, today. The vault runs on your Mac and the phone reaches it over your own network. There is no Windows version and no hosted vault. If that rules you out, tell us by email, because how many people it rules out is exactly what we are trying to find out before launch.

What will it cost, and when does it launch?

Neither is set, and we will not invent a date. It is in private testing on iPhone now. Everyone on the waitlist gets one email when it opens, with the pricing in it, and nothing before that.

Does it file my taxes?

No, and it does not give tax advice. BlueAnchor produces the numbers, the line references and the document behind each one. You or whoever you hand the year to files. We are not an accounting firm.

Can it keep a corporation and a sole proprietorship apart?

That is the reason it exists. It carries several sets of books at once and keeps them apart, and a card assigned to one set of books routes every future charge to it automatically.

Android, or the United States?

Android is coming, after iPhone. There is no date for it. The United States is supported. You choose your country at first run, and again for each business, because a person and their company do not always file in the same place. US categories map to the Schedule C line numbers read off the 2025 form itself, mileage uses the IRS standard rate including its mid year revisions, and sales tax is treated the way the IRS treats it, deducted with the purchase rather than reclaimed. One piece is still Canada only: the year end filing pack. A US entity gets its categories, its mileage and its deadlines today, and the assembled pack is next.

Who is behind it?

Blue Harbour Solutions Inc, a Canadian company in Halifax, Nova Scotia, federally incorporated on 13 May 2026. The same practice behind the Blue Harbour Navigator assessment and the WildEcho app, which is live on the App Store. More about Blue Harbour.

Launching soon

Work and personal, sorted as you spend.

One email, when it opens. Nothing before it, nothing after it, and the pricing is in that email.

No newsletter, no sequence. Questions instead? trevor@blueharboursolutions.com

Progress posts while we build it: