T1 personal tax filing for every Canadian income situation u2014 business, property, investments, side income or a straightforward T4. Messy records, late years, CRA letters: handled, start to finish.
"I'm a self-employed consultant. CPP, HST, instalments — I don't know what applies."
"I freelance on Upwork and bill US clients. Do I charge HST or not?"
"I rent out my basement. Can I claim the mortgage interest?"
"I switched from T4 employee to freelance mid-year. How is CPP handled?"
"My Airbnb pays monthly but had vacancies. What counts as income?"
"I bought a $4,000 laptop. All at once or over years?"
Every self-employed deduction found. Home office, vehicle, phone, dues, software — claimed correctly under CRA rules.
Zero-rated GST/HST handled. Foreign client invoicing, ITC claiming and your annual or quarterly return filed.
Rental deductions maximized. Interest, property tax, maintenance split accurately; CCA depreciation strategy chosen.
Dual T4 + freelance returns balanced. CPP overpayment recovery, optimal RRSP deductions, transparent total bill.
Airbnb & short-term reporting. Platform gross reconciliations, municipal fees tracked, capital gains traps avoided.
Capital Cost Allowance optimization. Class 8, 10, 50 depreciation mapped out so you don't create clawback headaches.
These are the files we see every week. We know the schedules, the deductions and the traps u2014 and we quote a fixed fee before the work starts.
Independent professionals earning business income without a corporation — reported on Schedule T2125 and taxed at your personal marginal rate, with both halves of CPP owed on the net profit.
Designers, copywriters, developers, video editors and translators billing Canadian or international clients directly or through platforms like Upwork, Fiverr and Contra.
Canadians with one or more rental units — basement suites, investment condos, multiplexes or short-term rentals like Airbnb — reported on Schedule T776.
Not a scare tactic. Just the math CRA runs on individuals every year.
5% of your balance owing, plus 1% for each full month you're late, up to 12 months. Penalized for late filing in any of the previous 3 years? It jumps to 10% plus 2% a month, for up to 20 months.
Owe nothing? No late-filing penalty — but CRA can still send a demand to file, and your refund and benefits wait until you file.
Your balance is due April 30 — even if your return isn't due until June 15. Pay when you file in June and you've already built up weeks of interest, compounded daily on the tax and penalties.
Prescribed interest rates are updated quarterly by CRA and compound every single calendar day.
The Canada Child Benefit, the GST/HST credit and the Canada Workers Benefit are recalculated every July from the previous year's return. No return, no calculation, no payment — and both spouses must file.
Retroactive benefit payments are held back until CRA processes both partners' returns.
Filing yourself and guessing on vehicle or home office claims triggers automated matching queries. CRA disallows the deduction, issues a Notice of Reassessment, and tacks on interest backdated to filing day.
Professional CRA representation ensures all expenses meet CRA audit-ready thresholds.
Most Canadians who haven't filed aren't evading tax u2014 they're overwhelmed. Once you hand it to an accountant who doesn't judge, it usually takes one week to fix.
Two, five or ten years behind. We pull all missing T4, T5, T3 and RRSP slips directly from CRA through our Represent a Client portal so you don't have to track down past employers.
Shoebox of receipts, missing invoices, or mixed personal and business accounts. We reconstruct full expense records using bank, credit card, and vendor feeds.
CRA asking for receipts on home office, vehicle, or rent? We step in as your authorized representative, assemble the proof package, and deal directly with the CRA agent.
Every quote is fixed before work begins. What we quote is what you pay.
T4 employment slips, standard personal credits, RRSP deductions, tuition credits and donation matching.
T1 with Schedule T2125 for sole proprietors, freelancers, consultants and gig workers. All valid business deductions maximized.
T1 with Schedule T776 for rental condos, duplexes, multi-family units and Airbnb properties. Full expense & CCA breakdown.
Multiple years behind. Slip retrieval from CRA via portal, bookkeeping reconstruction and progressive multi-year discount.
Whatever your mix of income, we've filed it before.
From self-employed consultants to rental owners to people three years behind.
April 30 vs June 15: why self-employed individuals get trapped by the interest clock.
Tell us about your T4 slips, self-employment, freelance invoices or rental setup u2014 whatever applies. You'll get a fixed-fee quote in your inbox, whether you hire us or not.
✓ You'll talk to an accountant, not a salesperson ✓ Reply within one business day
Written by our team. Updated for the current tax year.
Line-by-line: income, expenses, home office, vehicle, CCA, meals u2014 plus the deductions new sole proprietors miss.
Read guide →When your invoices to foreign businesses are zero-rated, how Input Tax Credits still work, and the exceptions to watch.
Read guide →T776 vs T2125, rental deductions, capital cost allowance, and partnership returns explained for Canadian landlords.
Read guide →