Personal Tax Return (T1) Filing in Canada

Q: How do I get started?

Book a free 30-minute call or phone (866) 254-5368 . Our 24/7 receptionist is a real person who answers, and we reply within one business day.

Your T1 personal tax return prepared by our team, reviewed by a CPA and e-filed with the CRA. Student returns from $49 + HST/GST; simple returns from $110 + HST/GST, with your final price confirmed after a free call. Self-employed, a landlord, new to Canada or several years behind? We handle those too, for individuals everywhere in Canada except Quebec.

Book a Free 30-Min Call Call (866) 254-5368

Our 24/7 receptionist is a real person, not a phone menu.

CPA-led accounting firm: Wajahat Ajmal, CPA, FCCA, practising since 2020 (verify on CPA Ontario)
Every return reviewed by a CPA before it's filed
Student T1 from $49, simple T1 from $110, self-employed T1 from $300 (+ HST/GST)
Fixed price agreed before we start, no surprise bills
We reply within one business day, all year

Every return

reviewed by a CPA

From $110

simple T1 + HST/GST · students from $49

1 business day

reply time

5.0

Google rating

Last updated: October 18, 2026

Why your personal tax return deserves a second set of eyes

Most Canadians file a T1 once a year and forget about it. But the T1 is where your whole financial year meets: your T4, side income, the rental condo, RRSP and FHSA contributions, tuition you carried forward, medical bills you never added up, and the benefits the CRA pays you based on what you report. A missed slip leads to a reassessment with interest. A missed credit is money you never see. A late return can pause your GST/HST credit, Canada Child Benefit and Ontario Trillium Benefit.

Tax software asks you questions; it can’t tell you which ones you should have been asked. That’s why every return we prepare is checked by a CPA before it’s filed. We pull your slips from the CRA, ask the questions software doesn’t, and explain the result in plain language before you approve anything.

The stakes grow as life gets more complicated. A first rental property, a side business, a move to Canada, a home purchase with your FHSA, or a parent’s final return each bring forms, elections and deadlines that are easy to miss and costly to fix later. Some elections can only be made on a return filed on time. Some carryforwards (tuition, capital losses, unused RRSP deductions) only help if they’re tracked year to year. We keep that history straight so each year’s return builds on the last.

What's included in our personal tax service

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Included in every T1	What it means for you
A short intake call or form	We ask about your year in plain language: jobs, slips, kids, moves, investments, side income, property. If you like checklists, start with our personal tax worksheet.
Your slips pulled from the CRA	With your authorization through Represent a Client, we download your T4, T4A, T5, T3, T5008, RRSP and other slips directly from the CRA so nothing gets missed.
Deductions and credits checked	RRSP and FHSA deductions, childcare, medical, donations, tuition, moving, home office where you qualify, union dues, the disability tax credit, and pension income splitting for couples.
Carryforwards tracked	Unused tuition, capital losses, RRSP contributions not yet deducted, and donations saved for a bigger year.
A draft you approve	You see the numbers, the refund or balance owing, and the reasons, before anything is filed.
E-filing with the CRA	Filed through EFILE, with a PDF copy for you. Refunds by direct deposit usually arrive faster than paper.
Help afterwards	If the CRA asks for receipts or sends a review letter, we help you respond. Quoted after consultation.

Pricing: which T1 do you need?

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	Student T1	Simple T1	Sole proprietor / self-employed (T2125)	Section 216 (non-resident rental)
Price	From $49 + HST/GST	From $110 + HST/GST	From $300 + HST/GST	From $350 + HST/GST
Who it suits	Students with one T4, plus the T2202 tuition slip and tuition carryforward	Most other returns: rental income, investments, capital gains, moving or employee home office claims	Sole proprietors, freelancers, contractors and gig workers with one business. Includes CCA, home-office and vehicle expenses and e-filing	Non-residents earning rent from Canadian property
Typical slips and forms	One T4 and the T2202	T4A, T5, T3, T5008, RRSP receipts, plus T776 rental	T2125 for one business, plus your other slips	NR4, rental income and expenses, Section 216 return
Reviewed by a CPA	✓	✓	✓ CPA-prepared	✓
E-filed or filed with the CRA	✓	✓	✓	✓
Not included			Bookkeeping and HST return quoted separately; additional businesses and rental (T776): Quoted after consultation

The final price is confirmed after a quick review, before we start, and depends on the number of slips and schedules and whether earlier years need catching up. Departure returns, final returns for a deceased person, changes to a filed return, help with CRA letters, additional businesses and rental income (T776) added to a self-employed T1: Quoted after consultation. Several years unfiled? The same tiers apply to each overdue year: student T1 from $49, simple T1 from $110 and self-employed T1 from $300, all + HST/GST, per year. For business owners behind on books or corporate filings, see our catch-up bookkeeping. Full price list: our packages.

Get your fixed T1 quote

Key figures for the 2025 and 2026 tax years

Most people filing now are either catching up on 2025 (due April 30, 2026) or planning for 2026 (due April 30, 2027). These are the federal and Ontario numbers that shape most returns.

Federal tax brackets

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Taxable income band	2025 rate	2026 rate
First bracket	14.5% on the first $57,375	14% on the first $58,523
Second bracket	20.5% up to $114,750	20.5% up to $117,045
Third bracket	26% up to $177,882	26% up to $181,440
Fourth bracket	29% up to $253,414	29% up to $258,482
Top bracket	33% above $253,414	33% above $258,482

The lowest federal rate fell from 15% to 14% on July 1, 2025, so 2025 uses a blended 14.5% and 2026 onward uses 14%. The same rate applies to most non-refundable credits, so credits such as tuition, medical and the basic personal amount are worth slightly less per dollar than before. Sources: CRA 2025 rates; CRA 2026 rates. Figures change each January; see CRA’s current rates.

Ontario tax brackets

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Rate	2025	2026
5.05%	up to $52,886	up to $53,891
9.15%	up to $105,775	up to $107,785
11.16%	up to $150,000	up to $150,000
12.16%	up to $220,000	up to $220,000
13.16%	above $220,000	above $220,000

Ontario also charges the Ontario health premium and a surtax at higher incomes, and the Ontario Tax Reduction can cut provincial tax for lower incomes. Other provinces use their own brackets; we apply the province where you lived on December 31.

Credits, limits and contributions

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Item	2025	2026	Source
Federal basic personal amount (max)	$16,129	$16,452	CRA basic personal amount
Ontario basic personal amount	$12,747	$12,989	CRA T4032ON
RRSP dollar limit	$32,490	$33,810	CRA limits page
TFSA annual limit	$7,000	$7,000	CRA limits page
FHSA annual / lifetime	$8,000 / $40,000	$8,000 / $40,000	CRA FHSA
CPP maximum on self-employment income (both halves)	$8,068.20	$8,460.90	CRA CPP rates
CPP2 maximum on self-employment income	$792	$832	CRA CPP2
Capital gains inclusion rate	50%	50%	Proposed two-thirds increase cancelled March 21, 2025 (Prime Minister's announcement)

Figures change every January. We use the year’s official CRA numbers on your return.

Who has to file a T1 return?

You must file if you owe tax for the year. The CRA also expects a return in many other cases, and filing is often the only way to get money you’re entitled to.

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Your situation	Must you file?	Why it matters
You owe tax, or the CRA sent you a request to file	Yes	Late-filing penalties and interest apply to any balance
You had self-employment income over the CPP threshold, or sold property with a capital gain	Yes	CPP on self-employment income and capital gains are reported only on your T1
You have Home Buyers' Plan or Lifelong Learning Plan repayments to make	Yes	Missed repayments are added to your income
You want the GST/HST credit, Canada Child Benefit, Ontario Trillium Benefit or other benefits	Yes, to receive them	Benefits are calculated from your return, and from your spouse's
You had little or no income (students, newcomers, stay-at-home parents)	Strongly recommended	Builds RRSP room, keeps benefits flowing and creates a record for future years
Tax was deducted at source and you want a refund	Yes, to get the refund	The CRA keeps over-withheld tax until you file
You're a non-resident with Canadian rent	Section 216 return if you elect	Lets you pay tax on net rent instead of 25% of gross

Source: CRA, Who has to file a return. Law: Income Tax Act s.150(1) (filing returns of income).

Who we help

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Who	What we handle
Employees and pensioners	Union dues, medical, donations, the Canada caregiver amount, and pension income splitting for couples (Form T1032).
Self-employed, freelancers and contractors (T2125)	From $300 + HST/GST: CPA-prepared, one business, CCA, home-office and vehicle expenses, e-filing. Bookkeeping not included; HST return quoted separately; additional businesses and rental (T776) are quoted after consultation. See the self-employed section.
Uber, Lyft and delivery drivers	Vehicle logs, the business share of car costs, and GST/HST from your first ride. See our GST/HST services.
Landlords (T776)	Rental income and expenses, and the decisions that matter years later. See the rental income section.
Students	Tuition (T2202), carryforwards, moving for school, and filing with low income so the GST/HST credit and Ontario Trillium Benefit keep coming.
Newcomers to Canada	Your first Canadian return, set up correctly. See the newcomers section.
Non-residents with Canadian rental property	The Section 216 return and the NR6 undertaking, from $350 + HST/GST depending on the number of properties and complexity. Read our Section 216 guide.
Seniors and retirees	OAS, CPP, RRIF and pension income, the age amount, pension splitting, the disability tax credit, and the OAS recovery tax threshold.
People leaving Canada	The departure return: deemed disposition (Form T1243), Form T1161 if reportable property is over $25,000, and the election to defer departure tax (Form T1244). Quoted after consultation.
Executors	The final T1 for a deceased person, optional returns that can lower the total tax, and the clearance certificate request (Form TX19). Quoted after consultation.
Incorporated owners	Your T1 and your company's T2 corporate return done by the same team, so salary and dividends line up. Salaries run through our payroll services.

Self-employed tax returns: what changes on your T1

If you earn money outside a T4, as a freelancer, consultant, contractor, tradesperson, gig worker or online seller, you’re running a business in the CRA’s eyes, even without registering a business name. The income and expenses go on Form T2125, Statement of Business or Professional Activities, which becomes part of your T1.

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Rule	What it means for you
You pay both halves of CPP	On net self-employment income above the basic exemption, up to the yearly maximum (and CPP2 above that). Half is deductible and half is a credit. For 2026 the combined maximum is $8,460.90, plus up to $832 of CPP2.
No tax is withheld	You'll likely owe on April 30. Once net tax owing is over $3,000 ($1,800 in Quebec) in the current year and either of the two previous years, the CRA asks for quarterly instalments (CRA instalments).
Filing vs paying	Your filing deadline is June 15, but payment is still due April 30. Interest starts May 1 on anything unpaid.
GST/HST may apply	Register once taxable sales pass $30,000 over four consecutive calendar quarters. Ride-sharing and taxi drivers register from the first ride. See our GST/HST services.
Records are on you	Keep receipts and records for six years from the end of the tax year they relate to.

Law: Income Tax Act s.9(1) (business income); s.18(1)(a) (general limitation); s.18(1)(h) (personal and living expenses).

Expenses self-employed people commonly claim

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Expense	What you can usually claim	Common mistake
Business-use-of-home	The business share of rent or mortgage interest, utilities, insurance, property tax and maintenance, by floor area	Using it to create or increase a business loss (it can only be carried forward)
Vehicle	The business share of fuel, insurance, repairs, lease or interest, and CCA	No logbook of business vs personal kilometres
Phone and internet	The business-use portion	Claiming 100% of a personal plan
Equipment and computers	Capital cost allowance over time (unless eligible for an immediate write-off)	Expensing a laptop in full without checking
Software, subscriptions, advertising	Fully deductible when used for the business	Mixing in personal subscriptions
Professional fees	Accounting, legal and bookkeeping fees	Forgetting last year's tax prep fee
Meals and entertainment	Generally 50% of the cost	Claiming 100%, or meals with no business purpose
Subcontractors	Payments to others who did work for you	No invoices, or missing T4A slips where required

If your records are messy, our bookkeeping team can tidy them first (quoted separately). When profits grow, it may be time to compare staying a sole proprietor with incorporating; we’ll walk you through the trade-offs on a call.

Rental income on your T1

If you rent out a condo, a basement unit or a whole house, you report rental income and expenses on Form T776, Statement of Real Estate Rentals. Co-owners each report their share. Short-term rentals (Airbnb, VRBO) use the same form but can raise GST/HST and local rules.

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What we watch	Why it matters
Current vs capital repairs	Fixing a leaky tap is a current expense. A new roof or full kitchen renovation is usually capital, depreciated through CCA.
Capital cost allowance is optional	CCA can lower tax today, but it can be recaptured when you sell, and it can't create or increase a rental loss. We claim it only when it makes sense.
Renting part of your home	Usually keeps your principal residence exemption if you make no structural changes and don't claim CCA.
Non-compliant short-term rentals	Since 2024, a short-term rental (rented for less than 90 consecutive days) loses its expense deductions for any period it operates where the province or municipality doesn't allow it, or without a required registration, licence or permit.
Renting to family below market	Can limit the expenses you can claim.
Selling a rental	A capital gain (50% inclusion) plus any CCA recapture. Selling within 365 days is generally fully taxed as business income under the residential property flipping rule, unless a life-event exception applies.

Law: Income Tax Act s.9(1) (income from property); s.20(1)(a) (capital cost allowance).

Rental types at a glance

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Rental type	Form	Expenses	Special points
Long-term rental you own	T776	Mortgage interest, property tax, insurance, repairs, management fees, utilities you pay	CCA optional; recapture on sale
Part of your own home	T776	The rented share of shared costs	Principal residence exemption usually kept if no CCA
Short-term rental (Airbnb)	T776, or T2125 with hotel-like services	Same, plus cleaning and platform fees	Possible GST/HST; municipal compliance
Non-resident owner	Section 216 return	Net rent basis if you elect	25% withholding on gross rent unless NR6 approved

Rentals are part of a simple T1 (from $110 + HST/GST). Self-employed filers with a rental add a T776: Quoted after consultation.

Newcomers to Canada: your first tax return

Your first Canadian return sets up your tax history and your benefits. Getting it right matters more than getting it fast.

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Topic	What applies
Your residency date	You're generally taxed on world income from the day you became resident, not January 1. Income earned abroad before then isn't taxed in Canada, but you report it so the CRA can calculate benefits.
SIN or ITN	You need a Social Insurance Number to file; if you aren't eligible, an Individual Tax Number instead.
Benefits	Filing starts the GST/HST credit and, with children, the Canada Child Benefit. Newcomers usually also file Form RC151 and Form RC66 in their first year.
Prorated credits	In your arrival year, many non-refundable credits, including the basic personal amount, are prorated to the days you were resident.
Foreign tax already paid	May qualify for a foreign tax credit so you aren't taxed twice.
Foreign property	From your second year, if foreign property costs more than $100,000 at any time in the year, Form T1135 is required. Late-filing penalties are steep.
RRSP and TFSA	Your first year's Canadian earned income creates RRSP room for the next year. A TFSA can be opened once you're resident with a SIN and 18 or older.

Most newcomer returns are a simple T1 (from $110 + HST/GST). Law: Income Tax Act s.114 (part-year residents).

Behind on filing? Catch-up and overdue T1 returns

It happens: a bad year, a move, a business that took over your life. The CRA can’t pay your benefits until you file, and if you owe, penalties and interest keep growing. Most overdue personal returns are straightforward to catch up.

How we do it:

We check your CRA account for missing years, slips the CRA already has, and any arbitrary assessment issued under section 152(7).
We gather missing slips and reconstruct income and expenses where records are thin.
We file the years together, usually oldest first. Each overdue year is priced at the same tiers: student from $49, simple from $110, self-employed from $300 (+ HST/GST).
If penalties have built up, we look at whether a taxpayer relief request is worth making.

Owing vs refund: what being late costs

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	You owe tax	You're due a refund
Late-filing penalty	5% of the balance + 1% per full month (up to 12); 10% + 2% per month (up to 20) for repeat late filers after a demand	None
Interest	Daily compound interest on the unpaid balance from May 1	None
Benefits	GST/HST credit, CCB and Ontario Trillium Benefit can stop until you file	Same
Time limit	No limit for the CRA to request the return	Refunds generally only for the last 10 calendar years
Arbitrary assessment risk	Yes	Less likely, but possible

Sources: CRA late-filing penalty; CRA interest and penalties. Even if you can’t pay, file on time. If you haven’t filed for years, the CRA’s Voluntary Disclosures Program can apply in some cases; we’ll tell you on the call whether it’s relevant. Law: Income Tax Act s.162(1) (failure to file penalty); s.220(3.1) (waiver of penalty or interest).

Changing a return you already filed: T1 adjustments

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Point	What applies
How	ReFILE through us, or Change my return in My Account. Form T1-ADJ is the paper option. Never file a second return for the same year.
When	After your notice of assessment arrives.
How far back	Generally any of the last 10 calendar years (CRA).
CRA reassessment limit	Normally three years from the original notice of assessment, longer in cases such as misrepresentation.

Changes to a filed return: Quoted after consultation. Law: Income Tax Act s.152(1) (assessment).

CRA letters, reviews and reassessments

A CRA letter isn’t a reason to panic, but it does have a deadline.

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Letter	What it usually means
Pre-assessment or processing review	The CRA wants receipts (tuition, medical, moving, childcare, donations)
Matching program letter	A slip you didn't report, often a T5 or T4A
Notice of reassessment	The CRA changed your return. Object by the later of 90 days from the notice or one year after your filing due date (90 days only for RRSP/TFSA over-contribution assessments).
Benefit and credit review	Proof of marital status or who your child lives with
Arbitrary assessment	The CRA assessed a year you never filed; filing the real return usually replaces it

We read the letter, explain it, gather what’s needed and respond through Represent a Client. Help with CRA letters: Quoted after consultation. Law: Income Tax Act s.231.1(1) (information gathering); s.152(1) (assessment); s.165(1) (objections).

Deductions and credits people often miss

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Deduction or credit	Who it helps	What to keep
Medical expenses	Prescriptions, dental, glasses, travel for care	Receipts; best 12-month period ending in the year
Childcare expenses	Working parents	Receipts with provider's name or SIN
Moving expenses	Moving 40 km closer for work or full-time school	Receipts, distances
Home office (employees)	Employees required to work from home	Form T2200 from your employer
Home office (self-employed)	T2125 filers	Home and office size, bills
Tuition and carryforward	Students and past students	T2202 slips
Donations	Givers to registered charities	Official receipts; couples can pool
Pension income splitting	Couples with eligible pension income	Form T1032 signed by both
Disability tax credit	People with a qualifying impairment and their supporters	Approved Form T2201
Canada caregiver amount	People supporting an infirm dependant	Dependant's details
Union and professional dues	Employees	Box 44 of your T4 or receipts
Canada training credit	Workers 26 to 65 taking eligible courses	T2202 or receipts; limit on your notice of assessment
Home buyers' amount	First-time buyers	Purchase documents ($10,000 × lowest federal rate: $1,450 for 2025, $1,400 from 2026)

Law: Income Tax Act s.118(1) (personal credits); s.118.3(1) (disability tax credit).

RRSP, FHSA and TFSA: what goes on your return

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	RRSP	FHSA	TFSA
Contribution deductible?	Yes	Yes	No
Withdrawals taxed?	Yes (except Home Buyers' and Lifelong Learning Plans)	No, if used for a qualifying first home	No
Annual limit	18% of last year's earned income up to the maximum ($32,490 for 2025, $33,810 for 2026)	$8,000, lifetime $40,000	$7,000 for 2025 and 2026
Unused room	Carries forward	Up to $8,000 carries forward	Carries forward; withdrawals added back next year
Deadline	First 60 days of the next year count for the prior year (March 1, 2027 for 2026)	December 31	Any time
Report on your T1?	Yes	Yes, Schedule 15, even with no deduction	No

Sources: RRSP dollar limits; FHSA; TFSA. Over-contributing costs 1% per month on the excess for all three plans (RRSP beyond the $2,000 buffer). We check your room against your CRA account before you contribute. Law: Income Tax Act s.146 (RRSPs); s.146.6 (FHSAs); s.146.2 (TFSAs).

Buying your first home: FHSA and Home Buyers’ Plan together. You can use both for the same home. The FHSA withdrawal is tax-free and never repaid. The Home Buyers’ Plan lets you withdraw up to $60,000 from your RRSP and repay it over 15 years, starting in the fifth year after the year of your first withdrawal for first withdrawals made from 2022 to 2028 (see the CRA Home Buyers’ Plan page). FHSA deductions can be carried forward to a higher-income year. We plan the order with you.

Key personal tax deadlines

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Deadline	2025 tax year	2026 tax year
RRSP contributions count for the year	March 2, 2026	March 1, 2027
Filing (most people) and payment (everyone)	April 30, 2026	April 30, 2027
Filing if you or your spouse had self-employment income (balance still due April 30)	June 15, 2026	June 15, 2027
Section 216 return, if the CRA approved your NR6 (otherwise two years after year end)	June 30, 2026	June 30, 2027
Instalments, if the CRA asks	March 15, June 15, Sept 15, Dec 15	March 15, June 15, Sept 15, Dec 15

If a date falls on a weekend or holiday, a return is on time if filed by the next business day. Sources: CRA important dates for individuals; CRA instalments. Law: Income Tax Act s.150(1) (filing deadlines).

Your personal tax documents checklist

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Category	Documents
Identity and status	SIN, date of birth, marital status and changes, address on December 31, last year's notice of assessment
Employment	T4 slips, Form T2200 or T2200S, union or professional dues receipts
Pensions and benefits	T4A, T4A(OAS), T4A(P), T4RIF, T4E, T5007
Investments	T5, T3, T5008, broker statements, crypto records, foreign income and foreign tax paid
Registered plans	RRSP receipts, FHSA contributions and withdrawals, Home Buyers' Plan details
Self-employment	Income records, invoices, receipts, vehicle logbook, home office measurements, GST/HST returns
Rental	Rents, mortgage interest statement, property tax, insurance, repair invoices, co-owner share
Family	Childcare receipts, T2202, support payments, dependants
Medical and donations	Medical and dental receipts, premiums you paid, official donation receipts
Home and moves	Moving receipts and distances, purchase documents, property sale details
Newcomers	Arrival date, world income before arrival, foreign property details

Prefer a form? Fill in our personal tax worksheet. Law: Income Tax Act s.230(1) (records and books).

The law behind your T1 (Acts we work under)

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Topic	Act and section
Who must file and filing deadlines	Income Tax Act s.150(1), (1)(d)
Business and property income	ITA s.9(1); s.18(1)(a), (h)
Business-use-of-home limit	ITA s.18(12)
Capital cost allowance	ITA s.20(1)(a); Income Tax Regulations Part XI
Part-year residents	ITA s.114
Leaving Canada (departure tax)	ITA s.128.1(4); T1161 reporting s.128.1(9); deferral election (T1244) s.220(4.5)–(4.52)
Short-term rentals	ITA s.67.7
Property flipping	ITA s.12(12)–(14)
Deceased: deemed disposition and final returns	ITA s.70(5); optional returns s.70(2), s.150(4)
Personal credits and disability tax credit	ITA s.118(1); s.118.3(1)
Pension income splitting	ITA s.60.03
RRSP, FHSA, TFSA	ITA s.146; s.146.6; s.146.2; over-contributions s.204.1 (RRSP), s.207.021 (FHSA), s.207.02 (TFSA)
Home Buyers' Plan	ITA s.146.01
Instalments	ITA s.156.1
Assessment and reassessment period	ITA s.152(1), s.152(3.1), s.152(4); arbitrary assessment s.152(7)
Late-filing penalty	ITA s.162(1), (2)
Foreign property reporting (T1135)	ITA s.233.3; penalties s.162(7)
Objections	ITA s.165(1)(a) (individuals: later of 1 year after filing-due date or 90 days); s.165(1)(b) as applied by s.204.3(2) and s.207.07(3) (90 days for RRSP/TFSA/FHSA over-contribution tax); extension of time s.166.1(7)
Taxpayer relief (waivers, refunds past 3 years)	ITA s.220(3.1); s.164(1.5)
CRA information requests	ITA s.231.1(1)
Books and records (6 years)	ITA s.230(1), (4)
Non-resident rent (Section 216)	ITA s.212(1)(d), s.216(1), (4)
CPP on self-employment	Canada Pension Plan s.10, s.30

How it works

Book a call. A free 30-minute call to understand your situation and quote a fixed price.
Share your documents. Upload them to our secure portal and authorize us on your CRA account.
We prepare your return. Our team prepares it and a CPA reviews it.
You approve, we file. You review the draft, we e-file it, and you get a copy for your records.
We stay on call. Notice of assessment questions, CRA letters or next year’s planning: we reply within one business day.

Example situations we sort out

Real clients

C. K. was several years behind on both personal and business tax filings. We brought the personal and business returns up to date.
Kushtrim was several years behind on both personal and business tax filings. We brought the personal and business returns up to date.

Typical situations (illustrations, not client cases)

A rideshare driver with three unfiled years. Slips pulled from the CRA, mileage rebuilt from trip logs, GST/HST reconciled, all three years filed together, each quoted per return.
A newcomer who arrived in August. Residency date set correctly, foreign income before arrival excluded, GST/HST credit and Canada Child Benefit applications started.
A non-resident with a Toronto condo. NR6 filed so withholding is on net rent, then the Section 216 return filed by June 30 to recover excess withholding.
A first-time buyer. FHSA withdrawal and Home Buyers’ Plan used together, FHSA deductions carried forward to a higher-income year.
A landlord who found an old repair invoice. The repair claimed in the right year through a T1 adjustment.

Doing it yourself vs a seasonal tax shop vs T-Ledgers

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	Tax software on your own	Seasonal tax shop	T-Ledgers (BEST VALUE)
Who prepares it	You	Seasonal preparer	✓ Our team, reviewed by a CPA
Fee known before you start	Software fee	Often only at pickup	✓ Fixed quote before we start
Year-round help	No	Usually closed after April	✓ We reply within one business day
CRA review letters	You handle them	Extra fee or not offered	✓ We help you respond (quoted after consultation)
Business, rental and corporate links	Up to you	Limited	✓ Same firm can do your books and T2
Talk to a person	Chatbot or forum	In person, in season	✓ 24/7 receptionist, a real person answers

Book a Free 30-Min Call

Why clients choose T-Ledgers

Reviewed by a CPA. Every return is checked by a CPA before it's filed.
No surprise bills. You agree the fixed price before we start.
Price match. If you have a lower written quote for the same work, we'll match it. Price matching applies only if you raise the lower quote before you sign our proposal.
Quick replies. Within one business day, all year round, not just in April.
One firm for everything. Your T1, your books, your GST/HST and your corporation's T2 in one place.
Online across Canada, or in person by appointment in Etobicoke and Mississauga. Most clients never need to visit.

Meet your CPA

Wajahat Ajmal, CPA, FCCA leads T-Ledgers, a CPA-led accounting firm, and has practised in Canada since 2020. He started his career in audit at KPMG and later worked as an independent contractor for a tax filing company. Our team prepares each return, and a CPA reviews it before it’s filed. We file personal returns for employees, pensioners, students, landlords, drivers, newcomers and business owners across Canada (except Quebec). Verify CPA membership. Company details: corporate information.

Related services: corporate tax · bookkeeping · catch-up bookkeeping · payroll · GST/HST · personal tax worksheet · Section 216

Local personal tax pages: Toronto, Mississauga, Brampton, Vaughan, Markham, Oakville.

What our clients say

      
   T-Ledgers Accounting Inc.
   31 Google reviews 
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   Dan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend T-Ledgers. Their communication is exceptional. You won’t have to wait days for a response. Waji really takes his time to explain things in-depth with his clients. He provides the ins and outs behind every major decision. Our corporation was 2 years behind on filings and Waji and his firm got all the work done in a timely manner, as promised.
  
 
      Posted on Google  
   
   Umed Pulotov 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wajahat is absolutely amazing. Very knowledgeable, professional, great customer service. I would highly highly recommend T-ledgers accounting for any accounting needs. 100/10!!
  
 
      Posted on Google  
   
   samer chamseddine 
 
 
 
 Trustindex verifies that the original source of the review is Google. T-Ledgers has been nothing short of exceptional after my previous accountant had me in hot water. Wajahat explained things in detail throughout the whole process and still continues to keep me updated on my files regularly. Would highly recommend T-Ledgers to anyone who appreciates organization and efficiency
  
 
      Posted on Google  
   
   Kushtrim Carpentry 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend **T Ledger's Accounting**. He has gone above and beyond for me every single time I’ve needed his help. Even when something is urgent or needs to be handled last minute, he gets it done right away and makes sure everything is taken care of properly.

He’s the type of accountant you can genuinely depend on. No matter what situation you’re dealing with, he takes the time to understand it, explains what needs to be done, and handles everything with a high level of professionalism.

Reliable, knowledgeable, responsive, and always willing to help. It’s hard to find someone you can trust to handle important financial and accounting matters, and I’ve had nothing but a great experience with T Ledger's Accounting.

**Beyond highly recommended. If you’re looking for an accountant you can rely on, this is the place to go.**
  
 
      Posted on Google  
   
   Ali Chaudhry 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with Wajahat. He was very flexible, accommodating, and helpful with my schedule. He went out of his way to make the process smooth and stress-free. Highly recommend him to any business owner
  
 
      Posted on Google  
   
   hurmat shahid 
 
 
 
 Trustindex verifies that the original source of the review is Google. The client portal T-Ledgers uses makes the whole process much easier than dealing with emails and PDFs back and forth. Document sharing is simple, questions get answered quickly, and you can always see where things stand. It's a modern way of handling accounting and I appreciated that.
  
 
      Posted on Google  
   
   Asim Afzal 
 
 
 
 Trustindex verifies that the original source of the review is Google. T-Ledgers handled my GST filing and corporate T2 together, which saved me a lot of time coordinating between different people. They understood my business quickly and flagged some bookkeeping gaps I needed to address. Took a lot of stress off my plate and I'll be using them again.
  
 
      Posted on Google  
   
   Atif Mahmood 
 
 
 
 Trustindex verifies that the original source of the review is Google. T-Ledgers made filing my corporate taxes straightforward from start to finish. Wajahat was responsive throughout the process and clearly explained what documents I needed to provide and why. The turnaround was reasonable and everything was handled professionally. I'll definitely be coming back next year and would recommend them to any small business owner looking for a reliable accountant.
  
 
      Posted on Google  
   
   Moazzam Afzal 
 
 
 
 Trustindex verifies that the original source of the review is Google. I fully recommend Wajahat for one's tax filing needs. He will explain what he's doing and why, rather than just asking for documents and going silent, ensuring the customer is informed at every stage of the process. He is trustworthy and transparent when it comes to pricing and quality of the work for small business tax needs.
  
 
  
  
 
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Frequently asked questions about personal tax returns

How much does it cost to file a personal tax return?

Student returns from $49 + HST/GST; simple returns from $110 + HST/GST, with your final price confirmed after a free call. A student return is for a student with one T4, plus the T2202 tuition slip and tuition carryforward. A simple return covers things like rental or investment income. A sole proprietor / self-employed T1 (T2125) is from $300 + HST/GST: CPA-prepared, including one business, CCA, home-office and vehicle expenses, and e-filing; bookkeeping is not included, and your HST return is quoted separately, and additional businesses and rental (T776) are quoted after consultation. We confirm the fixed price before we start.

What's the difference between a student and a simple T1?

A student T1 is for a student with one T4, plus the T2202 and tuition carryforward. A simple T1 adds things such as rental property, investments, capital gains or a home office claim. On the free call we’ll tell you which applies.

Why are prices shown as "from"?

The final price depends on the number of slips and schedules and whether earlier years need catching up. We confirm it after a quick review, before we start, so there are no surprise bills.

Do I have to come to your office?

No. Most clients upload documents to our secure portal and never visit. We work online across Canada, or in person by appointment in Etobicoke and Mississauga.

How do I get started?

Book a free 30-minute call or phone (866) 254-5368. Our 24/7 receptionist is a real person who answers, and we reply within one business day.

Do you file Quebec returns?

No. We prepare T1 returns for individuals in every province and territory except Quebec.

When is the personal tax deadline in Canada?

For the 2026 tax year, most people must file and pay by April 30, 2027. If you or your spouse or common-law partner had self-employment income, you have until June 15, 2027 to file, but any balance is still due April 30. For 2025 the dates were April 30 and June 15, 2026.

What happens if I file my tax return late?

If you owe, the CRA charges 5% of the balance plus 1% per full month late (up to 12 months), with higher penalties for repeat late filers, plus daily compound interest. If you’re getting a refund there’s no penalty, but benefits like the GST/HST credit can stop until you file.

Can you file several years of overdue returns?

Yes. We check your CRA account for missing years, gather slips and file them together. Each overdue year is priced at the same tiers (student from $49, simple from $110, self-employed from $300, all + HST/GST), and you get the total before we start. For business owners behind on books or corporate filings, see our catch-up bookkeeping.

I made a mistake on a return I already filed. What do I do?

Don’t file a second return. Once your notice of assessment arrives, we request a change through ReFILE (or you can use Change my return in My Account). Changes can generally be requested for the last 10 years.

I got a letter from the CRA. Can you help?

Yes. We read it, explain what it means, gather what’s needed and respond for you through Represent a Client. This help is quoted after consultation.

How long do I have to object to a reassessment?

Generally until the later of 90 days from the date on your notice of reassessment or one year after your filing due date (90 days only for RRSP/TFSA over-contribution assessments). Don’t wait: the clock runs even while you gather documents.

Do you file returns for self-employed people?

Yes. A sole proprietor / self-employed T1 (T2125) is from $300 + HST/GST: CPA-prepared, including one business, CCA, home-office and vehicle expenses, and e-filing. We also calculate CPP on self-employment income. Bookkeeping is not included; your HST return is quoted separately, and additional businesses and rental (T776) are quoted after consultation.

Do I have to pay CPP on self-employment income?

Yes. You pay both the employee and employer share on net self-employment income above the basic exemption, up to $8,460.90 for 2026, plus CPP2 on higher earnings. Half is deductible and half is a credit.

Do I need to pay tax instalments?

If your net tax owing is more than $3,000 in the current year and in either of the two previous years, the CRA will ask you to pay quarterly instalments on March 15, June 15, September 15 and December 15. We tell you the amount and add it to your calendar.

Do you file rental income?

Yes. Rental income and expenses go on Form T776. We claim capital cost allowance only when it makes sense, because it can be recaptured on sale.

I'm a non-resident with a rental property in Canada. What do I file?

Usually a Section 216 return, so you’re taxed on net rent instead of 25% of gross. Our Section 216 returns start from $350 plus HST/GST; the final price depends on the number of properties and complexity; see our Section 216 guide.

Can I claim home office expenses?

Employees can if their employer completes Form T2200. Self-employed people claim the business-use share of home costs on the T2125. We’ll work out which method gives the right result.

I'm new to Canada. Do I need to file?

If you became a resident during the year, filing is how you start receiving the GST/HST credit and Canada Child Benefit. We set your residency date and handle income from before you arrived.

Should I file if I had no income?

Usually yes. Students and low-income earners often qualify for the GST/HST credit, the Ontario Trillium Benefit and other payments only if they file.

Can my spouse and I split pension income?

If you receive eligible pension income, you can allocate up to half to your spouse or common-law partner using Form T1032, which can lower your combined tax and protect OAS.

Do you prepare departure returns and final returns for someone who has died?

Yes. We prepare the departure return for people emigrating from Canada, including deemed disposition reporting, and the final T1 return (and any optional returns) for a deceased individual. These are quoted after consultation: book a free call to start.

How much can I put in my RRSP, FHSA and TFSA?

RRSP: 18% of last year’s earned income up to the CRA’s annual maximum. FHSA: $8,000 a year (lifetime $40,000). TFSA: the annual limit plus any unused room. See the CRA limits page. Check your exact room on your notice of assessment or CRA My Account.

Can I use my FHSA and the Home Buyers' Plan for the same home?

Yes. You can withdraw from both for the same qualifying home. The FHSA withdrawal is tax-free and never repaid, while Home Buyers’ Plan withdrawals from your RRSP must be repaid over 15 years.

What documents do I need to file?

Your SIN, last year’s notice of assessment, and slips such as T4, T4A, T5 and T3, plus receipts for RRSP, FHSA, medical, childcare, donations and any business or rental expenses. With your authorization we pull most slips from the CRA. See the full checklist.

How long should I keep my tax records?

Generally six years from the end of the tax year they relate to. Keep receipts, slips and logbooks even if you e-file, because the CRA can ask for them in a review.

Ready to get your T1 done right?

Book a Free 30-Min Call Call (866) 254-5368

24/7 receptionist, a real person answers.

Disclaimer: The articles, calculators and other content on this website are general information only, not tax, accounting, legal or financial advice. Calculator results are estimates based on the rates and assumptions shown and may not match your situation. Tax rules change and depend on your province, business structure and the facts of your case, so speak with a CPA, and a lawyer where legal matters are involved, before acting. T-Ledgers accepts no liability for decisions made based on this information. Book a free consult with T-Ledgers.

Personal Tax Return Filing (T1) in Canada, Reviewed by a CPA

Why your personal tax return deserves a second set of eyes

What's included in our personal tax service

Pricing: which T1 do you need?

Key figures for the 2025 and 2026 tax years

Federal tax brackets

Ontario tax brackets

Credits, limits and contributions

Who has to file a T1 return?

Who we help

Self-employed tax returns: what changes on your T1

Expenses self-employed people commonly claim

Rental income on your T1

Rental types at a glance

Newcomers to Canada: your first tax return

Behind on filing? Catch-up and overdue T1 returns

Owing vs refund: what being late costs

Changing a return you already filed: T1 adjustments

CRA letters, reviews and reassessments

Deductions and credits people often miss

RRSP, FHSA and TFSA: what goes on your return

Key personal tax deadlines

Your personal tax documents checklist

The law behind your T1 (Acts we work under)

How it works

Example situations we sort out

Real clients

Typical situations (illustrations, not client cases)

Doing it yourself vs a seasonal tax shop vs T-Ledgers

Why clients choose T-Ledgers

Meet your CPA

What our clients say

Frequently asked questions about personal tax returns

Ready to get your T1 done right?