Construction & contractors

Know what every job is costing you while you can still do something about it

Most contractors find out which jobs made money at tax time, when it's a year too late to matter. Track each job as its own project — every invoice, material bill, fuel receipt and hour of labour lands against it — and the margin is on your screen while the job is still open.

Each job is a project with its own income, costs and running margin
Quote it as an estimate, then convert to an invoice when you win the work — nothing retyped
Photograph material and fuel receipts from the truck; they code themselves to the job
Purchase orders for materials, so what was ordered is checked against what was billed
Payroll for hourly crews — CPP, EI and tax by province, T4s at year end

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Job 214 — Kitchen reno

Contract valueC$48,500

Costs to dateC$29,340

Invoiced so farC$36,000

Margin so far39%

Bid from real numbers

Last job's actual costs are the honest starting point for the next quote — not a gut feel that hasn't been checked since 2023.

Every receipt reaches the job

The snap-a-receipt flow reads the merchant, date and amount off the photo, and the expense books against the project it belongs to.

Crew payroll included

Hourly wages, overtime and vacation pay computed to CRA's own tables, remittances tracked, records of employment when someone moves on.

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Retail

Stock, margin and sales tax — the three numbers retail lives or dies on

Retail accounting is inventory accounting. Nummo keeps real cost layers under every item, so when something sells, the cost that leaves the shelf is the cost you actually paid — and the margin you see is the margin you got, not an average that flatters slow stock.

Inventory with first-in-first-out cost layers, not a guessed average
Cost and price on every item, so margin per product is always visible
Purchase orders and receiving, with the bill checked against what arrived
Sell before the delivery truck shows up — the books true themselves up when stock lands
The right GST/HST/PST for the province you're selling into, automatically

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This week at the till

Sales recordedC$18,240

Gross margin41%

On hand (units)1,872

GST/HST collectedC$2,371

Counter sales in seconds

A sales receipt records the sale, the payment and the tax in one screen — cash, card or e-transfer, deposited to the account it actually went to.

Margin that tells the truth

FIFO cost layers mean a discounted January purchase doesn't hide inside a September sale. What you see per item is what happened.

Selling online too?

Provincial place-of-supply rules are built in, so shipping an order to BC charges BC's tax without you looking anything up.

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Legal

Matters, trust and the three-way reconciliation your law society audits

Law firm accounting isn't small-business accounting with different words — trust money is other people's money, and the law society treats it that way. Nummo runs matter-based books with a real trust ledger, per-client sub-ledgers, and the three-way reconciliation ready before anyone asks for it.

Every file is a matter, with its own time, expenses, billing and balances
A true trust ledger — client money never blends with firm money
Three-way reconciliation: bank, book and client ledgers, provably equal
Evergreen retainers that flag a matter the moment it needs a top-up
LEDES e-billing export for the clients whose AP systems demand it

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Trust — month end

Trust bankC$184,220.00

Client ledgersC$184,220.00

Book balanceC$184,220.00

Three-wayReconciled ✓

Billable time becomes the bill

Timekeepers record against the matter; the pro-forma turns hours into an invoice the lawyer approves — nothing re-entered, nothing missed.

Bilingual by design

Client documents render in English or French per client — Québec firms don't need a workaround for Bill 96.

Audit-ready is the default

The immutable ledger keeps every trust movement with its matter, date and authority. An auditor's request is an export, not an archaeology project.

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Manufacturing & wholesale

From the container landing to the pallet leaving — costed all the way

Wholesale margins are made or lost in the buying. Purchase orders, real inventory cost layers and multi-currency supplier bills mean the landed truth of what stock cost you — and B2B invoices that quote the customer's PO number, because their accounts payable won't pay without it.

Purchase orders through receiving to the supplier's bill, tied together
FIFO cost layers per item — this container's cost isn't last container's
Supplier bills in USD or EUR at the Bank of Canada rate, gains and losses booked
Customer PO numbers printed on invoices, payment terms per customer
Stock value and cost of goods sold that agree with the balance sheet, always

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Stock position

On handC$212,480

On orderC$46,900

COGS this monthC$88,130

USD payablesUS$31,200

Multi-currency without the spreadsheet

A USD supplier bill books at the Bank of Canada rate for its date; when you pay, the exchange gain or loss posts itself.

Oversell without breaking the books

Commit stock to a customer before the shipment lands and the cost trues up automatically when it arrives — no negative-inventory mess.

Terms both directions

Net 30 from your suppliers, Net 45 to your anchor customers — default terms live on each card and every document dates itself.

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Restaurants & hospitality

The nightly close, food cost and payroll — without a Sunday of data entry

A restaurant's books are a rhythm: close the till, pay the suppliers, run payroll, watch food cost. Nummo records the nightly sales in one screen, keeps supplier bills and their due dates straight, and runs a payroll that understands hourly staff, overtime and tips.

Record each day's sales — with the tax and the deposit account — in one sales receipt
Supplier bills with due dates, so the produce guy gets paid and the aging is honest
Food and beverage purchases tracked against sales for a food-cost percentage you can act on
Payroll for hourly staff: overtime, vacation pay, tips as their own earnings line
GST/HST and provincial tax handled per province, including Québec

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Nummo running on a restaurant's countertop payment terminal

The close takes five minutes

One sales receipt per day — totals off your POS report, tax computed, deposit matched to the bank when it lands. No line-by-line re-keying.

Tips done properly

Controlled tips flow through payroll as their own earnings line, so CPP and EI treat them correctly and T4s are right at year end.

Multiple locations?

Track each location as a project and see which one actually carries the business — same ledger, split visibility.

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Professional services

Hours into invoices, retainers into revenue, and no work left unbilled

Consultancies, agencies and firms sell time — and the money leaks out between the timesheet and the invoice. Nummo tracks time against the client's project, holds retainers properly until they're earned, and turns the unbilled pile into an invoice before it goes stale.

Time tracked against clients and projects, billable or not, by rate
Unbilled work visible per project, so nothing quietly ages into a write-off
Retainers held and drawn down as the work is billed — not revenue until it's earned
Recurring invoices for the clients on a monthly arrangement
USD invoices for American clients at the Bank of Canada rate, gains and losses handled

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This month

Billable hours412

Unbilled workC$23,900

Retainers heldC$18,000

InvoicedC$61,450

The unbilled number stares at you

Work in progress per project sits on the dashboard until someone turns it into an invoice. That visibility alone pays for the software.

Retainers, held honestly

A client's retainer is a liability until you've earned it. Nummo holds it that way and draws it down against invoices — your revenue is real revenue.

Project profitability, not vibes

Fee income against the hours and costs on each engagement — so you know which clients are worth keeping before renewal time.

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Accounting that speaks your trade

Know what every job is costing you while you can still do something about it

Stock, margin and sales tax — the three numbers retail lives or dies on

Matters, trust and the three-way reconciliation your law society audits

From the container landing to the pallet leaving — costed all the way

The nightly close, food cost and payroll — without a Sunday of data entry

Hours into invoices, retainers into revenue, and no work left unbilled

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