Resources
Tools & Guides
Free to Use
Answers before
you ever email us
Every tool runs in your browser, so nothing you type is sent anywhere. Wondering about fees instead? That's the fee calculator.
Tax Estimator
Your 2026 refund or balance owing, estimated from income, deductions, and tax already paid, for every province and territory.
Estimate your tax →RRSP Savings Calculator
What an RRSP contribution actually takes off your tax bill, computed with real brackets, not a flat rate.
See your savings →Automobile Benefit
The taxable benefit on an employer-provided vehicle: standby charge and operating benefit, calculated per CRA rules.
Run the numbers →Home Office Deduction
The work-space percentage, which bills a salaried, commission, or self-employed filer can claim, the income limit, and what the deduction saves.
Measure your claim →Capital Gains & Crypto
The gain or loss on a sale of shares, fund units, or crypto: the pooled cost base, the superficial loss rule, the taxable half, and what it adds to your tax.
Work out the gain →Start Here
The short version
of what to do
Dates, documents, and what changed this year. Read these once and most of the rest answers itself.
What to Bring
The slips, receipts, and records we need to prepare your return, organized by situation, printable for the kitchen table.
Open the checklist →Key CRA Dates
Filing deadlines, the RRSP cutoff, instalment dates, slip season, and corporate due dates: the whole year on one page.
See the calendar →What's New for 2026
The 2026 tax year at a glance: the new 14% federal rate, bracket moves, RRSP/TFSA/FHSA limits, and CPP and EI ceilings.
See what changed →FAQ
Straight answers on CRA letters, penalties, reviews versus audits, payment plans, and how working with us actually works.
Read the FAQ →Guides
Written for
your situation
Longer reads for particular circumstances. Each carries the date it was last reviewed, so you can see how current it is before you rely on it.
Self-Employed Tax Guide
The T2125, the instalments that catch year two, vehicle and home-office claims, and the $30,000 HST threshold.
Read the guide →Trades & Contractor Tax Guide
Employee or subcontractor, the tools deduction and the T2200, the truck, HST on quotes, and the T5018 most contractors miss.
Read the guide →Rental Property Tax Guide
The T776, repairs versus improvements, the CCA recapture trap, short-term rental rules, and what happens when your home becomes a rental.
Read the guide →Student Tax Guide
Why filing at zero income still pays, the T2202 and what the tuition credit is really worth, transfer versus carry-forward, and moving for a co-op term.
Read the guide →What Does an Accountant Cost?
Real numbers for London, Ontario: the ranges you'll be quoted, what moves the price, and why we don't bill by the hour.
See the numbers →CAF Member's Tax Guide
Postings, deployment pay, and moving expenses: how military life shows up on a T1, from a practice that's lived it.
Read the guide →Veterans' Benefits & Tax
Which VAC and CAF benefits are taxable, which aren't, and what your first return after release should get right.
See the breakdown →Nurses & First Responders
Licensing and union dues, shift premiums and multiple employers, and the volunteer responder credits, claimed right.
Read the guide →Company Car Taxable Benefit
What an employer-provided vehicle adds to your slip: the standby charge for having it, the operating benefit for driving it, and the election that can lower one of them.
Read the guide →Tax-Loss Selling
Selling the loser is the easy part. The superficial loss rule is what cancels the deduction, and it reaches your TFSA, your RRSP, and your spouse.
Read the guide →New Home HST Rebates
Up to $130,000 of HST comes back on a new Ontario home. The federal and provincial rebates, the 2026-27 enhanced window, and the two-year deadline that ends it.
Read the guide →The Vehicle Logbook
What the CRA expects a vehicle log to record, why it has to start on January 1, and the three-month shortcut you earn after one full year.
Read the guide →The Volunteer Firefighter Credit
Who qualifies, which hours count toward 200, how they get certified, and the choice between the credit and a tax-free honorarium.
Read the guide →Employee or Subcontractor
How the CRA decides whether you're really in business, how to ask it for a ruling, who pays if it's wrong, and where incorporating fits.
Read the guide →Agency Shifts & Late T4s
Why a second employer deducts too little, how to check which slips the CRA holds before you file, and how to fix a return that missed one.
Read the guide →A Posting Year at Tax Time
Which moving costs the T1-M takes, which relocation benefits come back as taxable income, and what a posting does to the rest of the household's return.
Read the guide →Incorporate or Not
Incorporate or stay a sole proprietor in Ontario? The small business rate, how you pay yourself, the T2 and annual filings, and when it is not worth it.
Read the guide →HST Registration
When an Ontario business must register for HST: the $30,000 test, charging 13% from the right day, input tax credits, and the quick method.
Read the guide →Your Release Year
Severance as a retiring allowance, the pension options and the transfer value, splitting a CAF annuity before 65, and why every payer under-withholds.
Read the guide →Every VAC Benefit, One at a Time
Which Veterans Affairs benefits the Income Tax Act exempts by name, which come on a T4A and where they go, and the one that splits with a spouse after 65.
Read the guide →Working With Us
When you're
ready to file
The four steps on our side: the questionnaire, the intake form, the CRA account, and getting your documents across safely.
Personal Tax Questionnaire
The questions we need answered before starting a return — what changed this year, what you own, what you paid for. It never asks for your SIN.
Answer the questions →Personal Tax Intake Form
Fill in the form we need before preparing your return, right here. The finished PDF is built on your device and never sent through this page.
Start the form →Setting Up Your CRA Account
What to have in front of you, why the verification step decides your timeline, and the 2026 changes that made the account close to essential.
Read the guide →Send Us Your Documents
Upload slips and receipts straight to a private folder. No sign-in, no email attachments, and nobody but us can open it.
Upload documents →