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Personal Tax Accountant in Toronto
CPA-reviewed T1 returns for Toronto residents: $49 student, $110 regular, $300 self-employed, plus HST/GST, per year.
- CPA-led by Wajahat Ajmal, CPA, FCCA (verify on CPA Ontario)
- Price matching, when agreed before you sign our proposal
- No surprise bills: the price is fixed before we start
- We reply mostly within one business day
- 24/7 receptionist, a real person answers
Last updated: October 15, 2026
Personal tax returns for Toronto residents
Toronto personal returns often involve more than a T4: first-time buyers who paid the City’s land transfer tax, owners who must file the Vacant Home Tax declaration, condo landlords, gig workers and people who own Toronto property while living abroad.
I’m Wajahat Ajmal, CPA, FCCA. T-Ledgers is a CPA-led accounting firm practising since 2020. We work online, with offices in Etobicoke and Mississauga by appointment.
Toronto tax situations we see
← Swipe to compare →
| Local situation | How we handle it | Source |
|---|---|---|
| First-time home buyers | The federal home buyers’ amount is claimed on your T1. Toronto’s municipal land transfer tax and its first-time buyer rebate are handled at closing, not on the return. | City of Toronto MLTT |
| Vacant Home Tax declaration | Every residential owner files a yearly declaration with the City. It is separate from your T1, but we remind clients and keep the rental records that support it. | City of Toronto Vacant Home Tax |
| Non-resident condo owners | If you rent out a Toronto condo from abroad, a Section 216 return lets you pay tax on net rent instead of 25% of the gross. | CRA: electing under section 216 |
Law: Income Tax Act s.118.05 (home buyers’ amount); City of Toronto Act, 2006 s.267(1) (City taxes, including MLTT and Vacant Home Tax).
How we work with Toronto clients
Toronto returns often bring together a T4, some investment income, a condo rental and, increasingly, gig income from apps. Condo landlords need their rent, condo fees, property tax and interest split correctly, and buyers need to know what goes on the T1 and what was settled at closing.
For people behind on filing, we pull what the CRA already has in your account, fill the gaps from your own records and file each missing year in order. Each year is priced on the same tiers, so you know the cost before we start.
Federal personal tax rules
Returns are due April 30 (June 15 if self-employed). Deadlines and penalties are on our personal tax page.
Personal tax pricing in Toronto
← Swipe to compare →
| Return | Price (per year, + HST/GST) | Who it suits |
|---|---|---|
| Student | ✓From $49 | One T4 plus a tuition slip |
| Regular | ✓From $110 | Most other returns |
| Self-employed | ✓From $300 | Business income on a T2125 |
| Section 216 | ✓From $350 | Non-resident landlords |
Per tax year, including overdue years. Departure and final returns, changes to filed returns, CRA letters, and extra businesses or rentals on a self-employed return are quoted after consultation. See what’s included, full pricing and plans.
Behind on your taxes?
Clients such as C. K. and Kushtrim came to us multiple years behind on both personal and business taxes, and we filed each missing year in order.
More for Toronto residents
Reviewed by Wajahat Ajmal, CPA, FCCA. Official sources checked October 2026.
Personal tax in Toronto: FAQs
Do I report the Toronto Vacant Home Tax on my T1?
No. It is a separate declaration filed with the City of Toronto. Your T1 is filed with the CRA. We can remind you of both deadlines.
I rent out a Toronto condo. Can I deduct condo fees?
Yes, condo fees for a rental unit are generally deductible against the rent, along with property tax, insurance and mortgage interest.
Do gig app earnings go on my T1?
Yes. Earnings from driving, delivery or freelance apps are self-employment income reported on a T2125, from $300 + HST/GST per year.
More questions? See our personal tax FAQs or our general FAQ.
Ready to get your return done?
Book a free 30-minute call. If you have a lower written quote for the same work, show it to us before you sign the proposal and we’ll match it.
Call (866) 254-5368 or email info@tledgers.ca. A 24/7 receptionist answers, so a real person picks up.