Your Personal Tax Return, Done Right
Nobody likes tax season. But it doesn't have to be stressful. We pull your slips from CRA Auto-fill, check every credit and deduction you qualify for, and NETFILE before the deadline. You keep more of what you earned.
Book a Free ConsultationWhat we do
T1 return prep and NETFILE — we file it directly with CRA
Self-employed and sole proprietor returns (T2125 business income)
Rental income and expenses on Form T776
RRSP, TFSA, and FHSA room planning — plus over-contribution checks so you don't get hit with penalties
We pull and match all your slips: T4, T4A, T5, T3, T5008, and CRA Auto-fill
Every credit you qualify for — medical, charitable, tuition, childcare, disability, caregiver
Capital gains, foreign income (T1135), and prior-year adjustments
Notice of Assessment review — and if CRA pushes back, we handle objections
How it works
1
Book a free call
Pick a time. We'll look at your slips, last year's return, and anything unusual — self-employment, rental income, whatever you've got going on.
2
We go through everything
We pull your CRA Auto-fill data and cross-check every slip against it. Then we find every credit and deduction you're entitled to. No guessing.
3
Filed and done
We NETFILE your T1 before April 30 and send you a plain-English summary. Refund or balance owing — either way, you'll know exactly where you stand.
Frequently asked questions
When is the T1 personal tax return deadline in Canada?
April 30 for most people. If you or your spouse are self-employed, the filing deadline stretches to June 15 — but here's the catch: any tax you owe is still due April 30. File late when you owe and CRA charges a 5% penalty on the balance, plus 1% per month for up to 12 months. And interest compounds daily. We tell all our clients to aim for April 30, self-employed or not. It locks in your benefits and stops interest from piling up.
How much does a tax accountant charge for personal tax filing?
It depends on what's in your return. A straightforward T1 with T4 slips, RRSP contributions, and standard credits? That's a flat fee. But if you've got self-employment income (T2125), rental properties (T776), capital gains, or foreign income (T1135), the price goes up based on the schedules involved. We quote upfront after a free consultation — no surprises. And honestly, if your return is simple enough to NETFILE yourself, we'll tell you that too.
What deductions and credits can I claim on my Ontario tax return?
More than you'd think. Deductions include RRSP contributions, union and professional dues, childcare expenses, moving expenses (if you moved 40+ km for work or school), and employment expenses with a signed T2200 from your employer. On the credit side: medical expenses above 3% of net income, charitable donations, tuition (T2202), Canada caregiver amount, disability tax credit, and the Ontario Trillium Benefit. Self-employed? You also deduct business expenses through T2125. Rental property? T776. We go through every slip and receipt to make sure nothing gets missed.
Should I use RRSP or TFSA to reduce my taxes?
Short answer: probably both. RRSP contributions lower your taxable income the year you contribute, so they save you tax at your current rate. Best if your income is high now and you expect it to drop in retirement. TFSA contributions don't lower your taxable income, but everything inside grows and comes out tax-free — forever. That's better when your income is lower now or you want to access the money without penalties. We check your RRSP contribution room, flag any over-contribution risk (CRA charges 1% per month on that — it adds up fast), and model the actual tax impact before you put money in.
Do I need to file a tax return if I'm self-employed and earned less than $30,000?
Yes. Every time. Self-employed Canadians have to file a T1 with a T2125 business income schedule no matter what they earned — even if it was $0. Here's why it matters: filing is how you claim the GST/HST credit, the Canada Workers Benefit, build RRSP room, and report CPP on self-employment earnings. The $30,000 number people think of? That's for HST registration, not personal tax filing. Skip your return because income was low and it'll cost you benefits — and CRA may come asking for back-filings years down the road.