Personal tax returns (T1), maximised and explained
For individuals, families, newcomers and the self-employed. We prepare your T1 accurately, claim every credit you’re entitled to, and explain the result in plain English.
What your personal tax return includes
A tax return shouldn’t feel like a black box. We gather the right slips, apply the deductions and credits that actually fit your situation, and show you why your refund or balance is what it is, so you can file with confidence and repeat the story to anyone who asks.
Personal Tax planning starts before the return is filed. We look at employment income, self-employment income, rental activity, investment slips, moving dates, childcare, medical expenses, tuition, donations and any CRA carry-forward balances that may change the result. The aim is not to force every possible claim into the return; it is to claim what fits, document it properly and explain the refund or balance in plain language.
We also review the story behind the slips. Employment income, self-employment, rental activity, RRSP contributions, medical expenses, childcare, tuition and moving details can all affect the final result. If something is missing, we tell you before filing. If a claim needs support, we explain what to keep. If a balance is due, we walk through why it happened and what can be changed for next year.
- T1 preparation and CRA electronic filing (EFILE)
- Employment, self-employment and investment income
- Newcomer and part-year residency returns
- Rental income and capital gains
- Medical, tuition, childcare and donation credits
- Foreign income and asset reporting (T1135) where needed
- A plain-English summary of your result
A simple, four-step process
Send us your slips
Upload securely or drop them on WhatsApp, we’ll tell you exactly what’s missing.
We prepare and optimise
We apply every credit and deduction that fits, and flag anything worth planning around.
You review, we file
We walk you through the result, answer questions, then EFILE to the CRA.
Keep your records
You get a tidy copy and a short note on what to watch next year.
You’re in the right place if…
- Salaried employees who want it done right
- Self-employed and gig or commission earners
- Newcomers filing their first Canadian return
- Families optimising credits and transfers
- Anyone with income or assets in India and Canada
India taxation support for Canadian residents
Use this when your Canadian return touches Indian income, property, deposits, investments or family records. We line up residency, reporting dates and documents before the return is filed.
Residency and landing date
Newcomer and part-year resident filing, including the date you became Canadian resident for tax purposes.
Foreign income and assets
Indian rent, interest, dividends, capital gains and T1135 reporting reviewed against Canadian filing requirements.
Records for both sides
A clear document list so Indian and Canadian tax records support the same story.
Personal tax questions we hear a lot
How much does a personal tax return cost?
Most straightforward T1 returns are a fixed, up-front fee we quote before we start, no surprises. Returns with self-employment, rental or foreign-income reporting are quoted based on complexity, always in advance.
The quote also considers whether your Personal Tax file needs cleanup before filing. A simple T1 with slips is different from a return that includes business income, missing receipts, foreign reporting, rental property or several years of catch-up filings. We price the work after we understand the file, then confirm the scope so you know what is included before we start.
A clear fee depends on the number of moving parts, not just the form name. We confirm whether there are multiple slips, business expenses, rental schedules, foreign income, benefit applications or prior-year adjustments before quoting. That keeps the process fair and avoids surprise invoices.
I’m a newcomer to Canada. Can you file my first return?
Yes. Newcomer and part-year residency returns are a specialty. We handle your residency status, world-income reporting for the resident portion, and any credits you become eligible for.
For newcomers, Personal Tax depends heavily on dates and residency. We confirm when you became resident for Canadian tax purposes, which income belongs on the Canadian return, which benefits may start after arrival, and what records should be kept from outside Canada. Small date errors can change credits, benefits and reporting, so we slow that part down on purpose.
I have income or property in India, can you still help?
Absolutely. Cross-border India and Canada situations are one of our core strengths. We coordinate residency, foreign-income and asset reporting so both sides line up.
India-related Personal Tax work is handled carefully because the same bank interest, property income, capital gain or family record can affect more than one filing story. We organize the documents, identify what Canada needs to see, and explain when foreign asset reporting or specialist advice may be required. The goal is consistency, not guessing.
What if I’m behind on previous years?
We regularly file multiple back years and help you get current with the CRA calmly, and, where it applies, use the Voluntary Disclosures Program.
Back-year Personal Tax filings are usually solvable once the missing documents are listed. We help retrieve slips, estimate where records are incomplete, prepare the returns in order and explain any balance, refund, penalty or CRA follow-up. Getting current is often less frightening than clients expect once the file has a clean checklist.
What clients say after the first year
Related services
Corporate Tax
We prepare your T2 corporate return from clean books, claim the small-business deduction where it applies, and plan ahead so your tax bill is honest, never a shock.
Bookkeeping
Monthly or catch-up bookkeeping in QuickBooks or Xero, reconciled, categorised and reviewed, so your numbers are ready whenever you (or the CRA) need them.
GST / HST
We register you, file your returns on time, and reconcile your input tax credits, so you claim what you’re owed and never get a surprise letter from the CRA.
Who we do this for
Personal Tax looks different depending on how you earn. We tailor it to your trade, and these are the ones that ask us most often.
Checklist: Personal tax document checklist. Free to use, no email required. See all free resources, or read the FAQ.
Official references
CRA personal income tax · CRA account · Form T1135
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