Personal Tax Accountant in Mississauga: Every Credit Claimed, Every Deadline Met
Bestax prepares your T1 return and checks every deduction and credit you are entitled to before anything is sent to the CRA.
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Dates Mississauga taxpayers need to know right now
Your next instalment is due 15 September 2026, then 15 December 2026, if the CRA has asked you to pay by instalments.
Your 2026 return is due 30 April 2027. Tax owing is also due that day, even if you are self-employed and have until 15 June 2027 to file.
The RRSP deadline for the 2026 tax year is 1 March 2027. Contributions made after that date count for 2027 instead.
The GST/HST credit became the Canada Groceries and Essentials Benefit in July 2026, with payments 25 percent higher. You only receive it if you file a return, even with zero income.
Our Strength in Numbers
- 10+Years of Experience
- 35+Accountants and tax professionals
- 1000+Clients served in Canada and the UAE
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Trusted by Clients Across Canada and Abroad
The approvals, partners and platforms behind your filings.
From owner-managed companies to multinational groups, in Canada and abroad. Backed by the approvals below and working in the platforms you already use.
Approvals and Memberships
- CRA EFILE Service Provider
- ACCA Approved Employer
- ICAEW Approved Employer
- IFZA Gold Tier Partner Recognition
- RAKEZ Appreciation Certificate
Accounting Platforms We Work In
- QuickBooks
- Xero
- Zoho Books
- Sage
- Odoo
- SAP
- Oracle
Using another platform? We work with that too.
Why Use a Professional Personal Tax Accountant Instead of Filing Alone?
Tax software will file whatever you type into it. It will not tell you about the credit you forgot, the deduction you did not know existed, or the answer that is about to trigger a CRA review. Here is what a professional adds.
Every Credit and Deduction Is Actually Claimed
There are more than 40 lines of credits and deductions on a Canadian return. Medical expenses above 3 percent of your net income, moving costs, tuition transfers from your children, the disability tax credit, caregiver amounts and home office costs are missed constantly by people filing alone. We go through all of them with you.
Your Return Is Right the First Time
A small slip, such as a missing T5 or an income figure that does not match what the CRA already holds, leads to a reassessment and interest. The CRA's repeated failure to report income penalty can reach 10 percent of the missed amount. We reconcile your slips against CRA records through Auto-fill before filing.
Penalties and Interest Are Avoided
The late filing penalty is 5 percent of your balance plus 1 percent per full month, and the CRA currently charges 7 percent interest, compounded daily, on anything unpaid. A professional who tracks your deadlines costs less than one late year.
Your Benefits Keep Flowing
The Canada Child Benefit, the Canada Groceries and Essentials Benefit, the Ontario Trillium Benefit and the Canada Workers Benefit are all calculated from your return. File late or file wrong and the payments stop. We file on time so they never do.
Someone Answers the CRA for You
When a CRA letter arrives asking for receipts or questioning a claim, you are not on your own. With your authorization we speak to the CRA directly and respond with the right documents in the right format.
Next Year's Tax Bill Gets Smaller
A return is a record of the past. The value is in what you learn from it: how much to put in your RRSP, whether to open a TFSA or an FHSA, whether your side income now needs GST/HST registration. We turn every return into a plan for the next one.
Why Bestax for Personal Tax Filing in Mississauga
Personal tax filing in Mississauga should feel like a conversation with someone who knows your situation, not a form you fill in alone. That is what we built the service around.
Local Office, Real People
Our office at 1470 Hurontario Street, just south of the QEW, serves clients from Port Credit, Cooksville, Streetsville, Erin Mills, Meadowvale, Malton, Clarkson and the City Centre. Drop your documents off, sit down with your accountant, or do the whole thing from your phone. Your choice.
Qualified Accountants, Senior Review on Every File
Your return is prepared by a chartered or certified accountant and reviewed by a second senior professional before you see it. Our tax team is led by a chartered accountant with more than 10 years of tax experience, and nothing is filed until both the preparer and the reviewer are satisfied.
One Fixed Fee, Agreed Before We Start
You get one written price after a short review of your situation. No hourly billing, no extra charge for questions, no surprise at the end. If your return turns out simpler than expected, we tell you and lower the fee.
Year-Round, Not Just March and April
Tax problems arrive in July and October too. We are open 9:00 AM – 6:00 PM, all year. When the CRA writes to you in September, the accountant who filed your return is still here to deal with it.
Everything for Your Family Under One Roof
Your return, your spouse's return, your parents' pension splitting and your teenager's first T4 are prepared together, because the best result comes from looking at the household, not one person at a time. If you also run a business, our small business tax team works from the same file.
Two Countries, One Firm
Bestax has offices in Mississauga and Dubai. If you have family, property or income abroad, or you are new to Canada, you are working with a team that handles foreign income, foreign tax credits and treaty questions every single week, not once a year.
Our Complete Personal Tax Services in Mississauga
Our personal tax services in Mississauga cover every type of individual return, from a single T4 to a file with rental properties, investments and foreign income.
T1 Returns for Employees, Students and Retirees
- Employment income from one or several T4s, including CPP and EI overpayments refunded when you had more than one employer
- Pension, OAS and RRIF income for retirees, with pension splitting between spouses where it saves tax
- Tuition credits from the T2202, transfers to parents and carryforwards for students
- Every basic credit checked: basic personal amount ($16,452 federal for 2026), spouse amount, age amount, Canada employment amount and donations
Self-Employed, Freelance and Gig Income
- T2125 statement of business income for contractors, consultants, rideshare and delivery drivers, online sellers and trades
- Home office, vehicle, phone and equipment expenses claimed with records that survive a CRA review
- CPP on self-employment income calculated correctly (you pay both halves, 11.9 percent up to the 2026 maximum)
- GST/HST registration once your sales pass $30,000 in four consecutive quarters, handled by our GST/HST registration team
Rental Property Income
- T776 statement for every property, with mortgage interest, property tax, insurance, repairs and condo fees claimed
- Capital cost allowance decisions made deliberately, because claiming it on a property you will sell can cost more later
- Principal residence designation on Schedule 3 when you sell your home (required even when the gain is fully exempt)
- Airbnb and short-term rental rules explained, including when income counts as business income
Investment Income, Capital Gains and Crypto
- T3, T5 and T5008 slips reconciled, with adjusted cost base tracked across years
- Capital gains reported at the 50 percent inclusion rate that remains in force (the planned increase was cancelled)
- Crypto trades classified correctly as capital gains or business income, the distinction the CRA looks at most closely
- Foreign property over $100,000 reported on Form T1135 to avoid the $2,500 penalty
Family, Medical and Disability Credits
- Child care expenses, the Canada Child Benefit application and the Ontario CARE credit
- Medical expenses pooled across the family and claimed in the 12-month window that gives the biggest credit
- Disability tax credit applications (Form T2201) and the new Canada Disability Benefit, which pays up to $204.20 a month from July 2026
- Canada caregiver amount for a parent or relative who depends on you
Our guide to the disability tax credit explains who qualifies
Newcomers to Canada
- Your first Canadian return, with your residency start date and world income reported correctly from that date
- Benefit applications filed immediately on arrival (Form RC151 for the Canada Groceries and Essentials Benefit, RC66 for the Canada Child Benefit) so you do not wait a year for money you are owed
- Foreign income, foreign tax credits and assets brought into Canada explained in plain language
Late and Prior-Year Returns
- Returns for any year from 2018 onward filed electronically, older years on paper
- Penalty and interest estimates before you commit, and taxpayer relief requests where there is a real reason for the delay
- Voluntary Disclosures Program applications that can remove 100 percent of penalties when you come forward before the CRA contacts you
CRA Reviews, Letters and Adjustments
- Pre-assessment and processing reviews answered with the right receipts in the format the CRA asks for
- Reassessments checked line by line, and objections filed within the 90-day window when the CRA is wrong
- Corrections to past returns through ReFILE or a T1 adjustment when you find a slip you missed
Tax Planning Between Returns
- RRSP versus TFSA versus FHSA decisions based on your bracket, not a rule of thumb
- Instalment calculations when you owe more than $3,000 two years running
- Income splitting, pension splitting and donation timing reviewed before year end
Nine practical ideas in our guide on how to save tax in Canada
T1 Tax Return Preparation Explained: What Actually Goes Into Your Return
Many people have filed for years without knowing what the T1 General is. Understanding it helps you see where the savings come from, so here is the short version.
It has five parts: your identification and residency, your total income, your deductions to reach net and taxable income, your non-refundable credits, and the final calculation of tax or refund. Ontario tax is calculated on the ON428 form inside the same return, so you file once and the CRA collects for both governments.
T4 for employment, T4A for pensions and contract work, T5 for interest and dividends, T3 for trust and fund income, T5008 for investments sold, T4RSP and T4RIF for registered withdrawals, T2125 for business income and T776 for rental income. Line 15000 shows your total income and line 23600 your net income, which is the figure every benefit is calculated from.
RRSP and FHSA contributions, child care costs, union dues, moving expenses, employment expenses with a signed T2200 and carrying charges all come off before tax is calculated. A deduction is worth more to you the higher your bracket.
Most are non-refundable, which means they can bring your tax to zero but not below it. In 2026 the federal basic personal amount is $16,452, the age amount is $9,208 and the medical expense threshold is the lesser of 3 percent of net income or $2,890. Refundable credits such as the Canada Workers Benefit, up to $1,665 for a single person in 2026, pay out even when no tax is owed.
Schedule 3 for capital gains, Schedule 7 for RRSP and HBP activity, Schedule 8 for CPP on self-employment, Schedule 11 for tuition. Errors here are what the CRA's automated matching catches most often.
Good T1 tax return preparation is the work of pulling all of these pieces together so that every line is supported by a document and every credit that applies has been claimed. That is the standard every return at Bestax is held to.
Personal Tax Deadlines for 2026 and 2027 (Mississauga and All of Canada)
Every deadline below applies to Ontario residents and to every other province except where noted. The payment date is the one that costs you money if missed, because interest starts the next day.
| What | Tax year | Deadline | Notes |
|---|---|---|---|
| Personal return (employees, students, retirees) | 2025 | 30 April 2026 (passed) | Still unfiled? Penalties grow monthly, see the late filing section below |
| Self-employed return (you or your spouse) | 2025 | 15 June 2026 (passed) | Tax owing was still due 30 April 2026 |
| NETFILE closes for 2025 returns | 2025 | 29 January 2027 | After this, a 2025 return can only be filed through a preparer's EFILE or on paper |
| Instalment payments | 2026 | 15 September and 15 December 2026 | Only if the CRA sent you an instalment reminder |
| RRSP contribution deadline | 2026 | 1 March 2027 | First 60 days of 2027 count for 2026 |
| NETFILE opens for 2026 returns | 2026 | Late February 2027 (CRA to confirm) | 2025 returns opened 23 February 2026 |
| Personal return and balance owing | 2026 | 30 April 2027 (Friday) | Applies to most Canadians |
| Self-employed return | 2026 | 15 June 2027 (Tuesday) | Balance still due 30 April 2027 |
| Final return for someone who died | 2026 | 30 April 2027, or 6 months after death if they died in November or December | Our estate and trust tax team handles these |
If a date falls on a weekend or public holiday, the CRA treats your return as on time if it arrives the next business day. Neither 2027 deadline falls on a weekend, so there is no extension to count on.
We track all of these dates for every client, and you can see the full calendar in our guide to all 2026 tax deadlines in Canada.
What Changed for Your 2026 Return
| Rule | Where it stands for the 2026 tax year | Source |
|---|---|---|
| Lowest federal tax rate | 14 percent on the first $58,523 (cut from 15 percent, now law) | Bill C-4, Royal Assent March 2026 |
| Federal brackets | 20.5 percent to $117,045, 26 percent to $181,440, 29 percent to $258,482, 33 percent above | CRA, indexed 2 percent for 2026 |
| Ontario brackets | 5.05 percent to $53,891, 9.15 percent to $107,785, 11.16 percent to $150,000, 12.16 percent to $220,000, 13.16 percent above | Ontario Ministry of Finance, indexed 1.9 percent |
| Basic personal amount | $16,452 federal, $12,989 Ontario | CRA indexation table |
| GST/HST credit | Replaced by the Canada Groceries and Essentials Benefit from July 2026, paying up to $679 single, $890 couple, $234 per child, 25 percent more than before | Bill C-19 |
| Canada Child Benefit | Up to $8,157 per child under 6 and $6,883 for ages 6 to 17 for July 2026 to June 2027 | CRA |
| Canada Carbon Rebate | Ended, no payments after April 2025 | CRA |
| TFSA limit | $7,000 for 2026, total room $109,000 if you have been eligible since 2009 | CRA |
| RRSP limit | 18 percent of 2025 earned income, up to $33,810 | CRA |
| CPP contributions | 5.95 percent on earnings from $3,500 to $74,600, plus 4 percent CPP2 on earnings up to $85,000 | CRA |
| Capital gains | 50 percent inclusion rate stays, the increase to two thirds was cancelled | Department of Finance, Budget 2025 |
| Home office for employees | Detailed method only, with a signed Form T2200. The flat rate method is gone | CRA |
| Canada Disability Benefit | Up to $204.20 a month from July 2026, requires an approved disability tax credit and a filed return | Employment and Social Development Canada |
| Personal Support Workers Tax Credit | New refundable credit of 5 percent of eligible earnings, up to $1,100, for 2026 to 2030, available in Ontario | Bill C-15 |
| Underused Housing Tax | Eliminated for 2025 and later years, no more UHT returns for Canadian homeowners | Bill C-15 |
| Express NOA | Discontinued February 2026, your Notice of Assessment now appears in CRA My Account | CRA |
| Paper returns | Now take up to 12 weeks to process, electronic returns 2 weeks | CRA service standards 2026-27 |
| Automatic tax filing | A pilot for low-income Canadians is planned for late 2026, with pre-filled returns from March 2027, still awaiting final legislation | Bill C-31 |
| Interest on overdue tax | 7 percent, compounded daily, for July to September 2026 | CRA prescribed rates |
Two proposals are worth watching but are not law yet: a larger Labour Mobility Deduction for tradespeople (up to $10,000 from 2026) and a simpler disability tax credit application for long-term conditions. We will apply both the moment they pass.
Your Personal Tax Document Checklist
Most delays in tax season come from one missing slip. Use the list for your situation below, and if something is missing we can usually pull it from your CRA account through Auto-fill.
Ask us for the checklist as a one-page PDF and we will send it the same day.
Everyone
- Social Insurance Number and date of birth for you, your spouse and dependants
- Last year's Notice of Assessment (it shows your RRSP room, carryforwards and instalments)
- Direct deposit details if you want your refund in two weeks instead of waiting for a cheque
- Receipts for donations, medical expenses, union dues and professional fees
Employees
- T4 from every employer, T4A for any contract or pension income
- Form T2200 signed by your employer if you claim home office or vehicle costs
- Union dues and professional membership receipts if not on your T4
Self-employed and gig workers
- Income summaries from every platform (Uber, DoorDash, Amazon, Etsy, Shopify) and invoices issued
- Expense records by category: vehicle log, phone, supplies, home office square footage, insurance
- GST/HST account number and filings if registered
Landlords
- Rent received per property, mortgage interest statement, property tax bill, insurance, condo fees, repair invoices
- Purchase documents if you bought, sold or started renting a property this year
Investors
- T3, T5 and T5008 slips, plus your broker's annual realized gain and loss report
- Crypto exchange transaction history for the full year
- Details of foreign property worth more than $100,000 at any point in the year
Students
- T2202 tuition certificate from your college or university
- Student loan interest statements and moving expense receipts if you moved for school
Parents and caregivers
- Child care receipts with the provider's SIN or business number
- RC66 if you are applying for the Canada Child Benefit for the first time
- Form T2201 if a family member has an approved or pending disability tax credit
Newcomers
- Date you arrived in Canada and your immigration documents
- Income earned before arrival (not taxed in Canada, but needed to calculate benefits)
- Foreign bank, pension and property details
Seniors
- T4A(OAS), T4A(P), T4RIF, T4RSP and any pension slips
- Medical, attendant care and home accessibility receipts
- Your spouse's slips, so we can test whether pension splitting saves money
Complex Returns We Handle Every Season
Most Mississauga firms are comfortable with a T4 and a donation receipt. These are the situations where the right accountant changes the outcome.
Two Jobs, a Side Hustle and a T4A
Multiple employers means CPP and EI were probably over-deducted, and your side income needs a T2125 even if it was only a few thousand dollars. We recover the overpayment and report the business income properly, so you avoid the CRA matching letter that follows an unreported T4A.
Rideshare, Delivery and Platform Workers
Uber, Lyft, DoorDash and Skip income is business income, and the expense claims (mileage, phone, part of your insurance) are where the tax saving is. Rideshare drivers must also register for GST/HST from the first dollar, not at $30,000. Our GST/HST filing team handles that alongside your return.
Landlords With One Condo or Several
A condo rented out in Mississauga produces a T776, questions about whether to claim capital cost allowance, and a capital gain when you sell. If you moved out of a home and started renting it, there is a deemed disposition to report and an election that can protect your principal residence exemption for up to four more years. Getting that election right is worth tens of thousands of dollars.
Investors With Capital Gains and Crypto
Selling shares, funds or crypto means tracking your adjusted cost base across years and accounts. Crypto is the area where the CRA is asking the most questions, and from 2027 exchanges will report your trades to the CRA automatically under the new Crypto-Asset Reporting Framework. We build the record now so nothing surprises you later.
New to Canada
Your first return sets up your benefits, your RRSP room and your record with the CRA. You report world income only from the day you became a resident, and your pre-arrival income is used only to calculate benefits. Filed right, a newcomer family can start receiving the Canada Child Benefit and the Canada Groceries and Essentials Benefit within weeks of arrival.
Students and Recent Graduates
Tuition credits carry forward for life but must be used in the first year you owe tax, and up to $5,000 of the current year's tuition can be transferred to a parent. We decide which option leaves the family with more.
Seniors and Retirees
Pension splitting can move up to 50 percent of eligible pension income to a lower-income spouse. The age amount of $9,208 starts shrinking at $46,432 of net income, and OAS is clawed back once 2026 income passes $95,323. Ontario's Seniors Care at Home credit returns 25 percent of up to $6,000 in eligible expenses. We test every combination before filing.
Families With Disability or High Medical Costs
The disability tax credit is worth thousands of dollars a year and can be claimed back for up to 10 years. Medical expenses can be pooled across the family and claimed for any 12-month period ending in the tax year. We choose the period and the family member that produces the largest credit.
Several Years Unfiled
Whether it is two years or ten, the path is the same: gather what exists, rebuild what does not, file in the right order and apply for relief where it fits. Most multi-year catch-ups are finished within three to four weeks of receiving your documents.
How It Works: From First Call to Notice of Assessment
Free consultation, 20 to 30 minutes.
By phone, video or at our Hurontario Street office. We learn your situation, tell you what documents you need and give you a fixed price.
Send your documents your way.
Upload them through our secure portal, email them, drop them off or bring them to a meeting. With your authorization through Form AUT-01 or CRA Represent a Client, we pull your slips straight from the CRA so nothing is missed.
We prepare, review and explain.
Your return is prepared by your accountant, checked by a senior reviewer and walked through with you line by line. You sign Form T183 electronically. Nothing is filed until you approve it.
We e-file and stay with you.
Your return goes to the CRA the same day you sign. Your Notice of Assessment appears in CRA My Account within about two weeks, and we check it against what we filed. If the CRA changes anything or writes to you later, we handle the reply.
Personal Income Tax Services in Canada: Filed Online From Any Province
Our office is in Mississauga, but our clients are not only here. Through our secure portal and video consultations, we provide personal income tax services in Canada for clients in British Columbia, Alberta, Manitoba, the Atlantic provinces and everywhere in between.
The process is identical to working with us in person: one accountant, one fixed fee, senior review on every file.
Provincial credits are built in. Every province has its own credits, thresholds and forms. We apply the right ones for where you lived on 31 December, which is the date that decides your provincial tax.
Quebec residents file twice. If you live in Quebec, you file a federal T1 and a separate TP-1 with Revenu Québec. We prepare both.
Moved provinces this year? Your entire year is taxed by the province you lived in on 31 December, which can raise or lower your bill noticeably. Moving expenses may be deductible if you moved at least 40 kilometres closer to a new job or school.
Canadians with ties abroad. With an office in Dubai, we work every day with clients who have family, property or pensions in the Gulf, South Asia and beyond. Foreign income is reported once and foreign tax paid is credited through our foreign tax credit service, so the same dollar is never taxed twice.
Tax Preparation for Individuals: Software or an Accountant?
Tax software is a good product for some people. The real question is which group you are in.
| Your situation | Software is usually fine | Use an accountant |
|---|---|---|
| One or two T4s, standard credits, no life changes | Yes | Optional |
| Income under the CRA's free clinic limits and a simple return | A free community clinic is often the best choice | Not needed |
| Self-employed, rideshare, freelance or commission income | Risky: expense rules and GST/HST obligations are where errors happen | Yes |
| Rental property, sale of a property, or a move out of your home | Risky: elections and designations cannot be fixed later | Yes |
| Investments, crypto or foreign assets over $100,000 | Risky: cost base errors and T1135 penalties | Yes |
| Newcomer, student with transfers, or a senior with pension income | Often leaves credits unclaimed | Yes |
| CRA letter, reassessment or years unfiled | Software cannot represent you | Yes |
| Disability, high medical costs or caregiving | Credits worth thousands are routinely missed | Yes |
Software files exactly what you enter. It does not ask whether the condo you sold was ever your principal residence, whether your parent's medical costs belong on your return, or whether your crypto activity looks like a business to the CRA. Professional tax preparation for individuals is the cost of having someone ask those questions before the CRA does.
Support That Continues After You File
Filing is the middle of the process, not the end. Here is what happens next and how we stay involved.
Notice of Assessment check. Your NOA appears in CRA My Account within about two weeks of e-filing. We compare it with the return we filed and explain any change. If you want to know what each line means, read our guide on steps to take after a CRA Notice of Assessment.
Review letters answered. The CRA reviews returns every year after they are assessed, most often for medical, tuition, child care and moving claims. When a letter arrives, send it to us. We respond with the documents, in the format the CRA wants, within the deadline.
Instalment reminders. If you owed more than $3,000 this year and last, the CRA expects quarterly payments. We calculate them and remind you before 15 September and 15 December, because instalment interest is completely avoidable.
RRSP and TFSA planning in February. Before the 1 March 2027 RRSP deadline we tell you exactly how much a contribution would save and whether a TFSA or FHSA is the better home for the money. Our guide to the TFSA explains the difference.
Life changes handled when they happen. A new baby, a marriage, a separation, a first rental property or a new business all change your return. Call us when they happen, not next April.
Records kept for six years. The CRA can ask for supporting documents for six years after the end of the tax year. We keep a complete copy of your file, so you never have to search for a receipt from 2023.
Our Other Services
Your personal return often connects to something bigger. These teams work from the same file.
Small Business Tax Services
: for sole proprietors and incorporated owner-managers who need the business and personal returns planned together.
Corporate Tax Return Filing
: T2 returns for incorporated professionals and companies.
GST/HST Registration and GST/HST Return Filing
: for self-employed clients who cross the $30,000 threshold or drive rideshare.
Estate and Trust Tax
: final returns for a family member who has passed away and T3 returns for estates.
Foreign Tax Credits
: for Canadians with income or tax paid abroad.
Company Registration in Canada
: when your side business grows into something that should be incorporated.
Payroll Services
: if you employ a nanny, caregiver or staff and need T4s and remittances done correctly.
Get Your Personal Tax Return Done Right This Year
Every credit you miss is money left with the CRA, and every deadline you miss costs more than the fee to meet it. For a tax accountant who knows Mississauga, knows the rules as they stand today and stays with you after the return is filed, talk to our team. Our office hours are 9:00 AM – 6:00 PM.
Our Success Stories
After years of DIY tax filing, I decided to work with professionals, and I’m glad I chose Bestax. Their team corrected years of minor errors and even identified deductions I had missed. The savings more than paid for the service.
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Frequently Asked Questions
It depends on what is in your return. A return with employment income and standard credits sits at the low end, and self-employment, rental or investment income, multiple years or a CRA dispute move it up. What does not change is the format: one fixed written price after a free consultation, with no hourly billing and no charge for questions during the year. If your return is simple enough for a free clinic, we will tell you that too.
If you are owed a refund, nothing is lost except time, and your benefit payments resume once you file. If you owe tax, the penalty is 5 percent of the balance plus 1 percent for each full month late, and interest at 7 percent runs daily. The penalty is set on the day you file, so filing this week is cheaper than filing next month, even if you cannot pay in full yet. Send us your documents and we can usually file within days.
No, and it is far more common than people think. We file every outstanding year from the oldest forward, request taxpayer relief where there was a real reason for the delay, and use the Voluntary Disclosures Program when it applies, which can remove all penalties if you come forward before the CRA contacts you. Most multi-year catch-ups are complete within three to four weeks.
Your SIN, last year's Notice of Assessment, every T-slip (T4, T4A, T5, T3, T2202 and so on) and receipts for anything you want to claim: medical costs, donations, child care, tuition, moving, union dues. Self-employed clients and landlords also bring income and expense records. The full checklist above is organized by situation, and with your CRA authorization we can retrieve most slips ourselves.
Yes. You upload your documents through our secure portal, we meet by phone or video, you sign Form T183 electronically and we e-file the same day. Clients across the GTA and other provinces use this option every year. If you prefer to visit our office on Hurontario Street, that works too.
You should. Your return is how the CRA calculates the Canada Groceries and Essentials Benefit (up to $679 for a single person), the Canada Child Benefit, the Ontario Trillium Benefit and the Canada Workers Benefit. No return means no payments. Filing also builds your RRSP and TFSA records and starts the clock on tuition carryforwards.
Your income is business income, reported on Form T2125 with your expenses deducted, and you pay both halves of CPP on the profit. Rideshare drivers must register for GST/HST from the first dollar earned, while delivery-only drivers register once sales pass $30,000 in four consecutive quarters. Good mileage and expense records are where the tax saving lives, and we set those up with you for next year.
Do not ignore it and do not panic. Most letters are routine reviews of a specific claim, such as medical expenses or tuition, and they have a reply deadline, usually 30 days. Send the letter to us. With your authorization we respond directly to the CRA with the right documents, and if the CRA disallows something we disagree with, we file an objection within the 90-day window. Our guide to the CRA audit process in Canada explains what to expect.
If your income is modest and your return is simple, the free community clinics run under the CRA's Community Volunteer Income Tax Program are a good option, and we will say so. They do not handle self-employment income, rental income, capital gains, bankruptcies or returns for someone who has died. If any of those apply to you, or you have a CRA letter, that is where a professional earns the fee.
E-filed returns with direct deposit are usually assessed within two weeks, and paper returns now take up to 12 weeks. The sooner you send your documents, the sooner you are in the queue. Clients who book in February and March have their returns filed before the April rush, and clients who want to plan RRSP contributions should speak to us before 1 March 2027.