Personal Tax Return (T1)
Our experienced accountants handle every aspect of your T1 personal income tax return. Whether you're salaried, self-employed, or have investment income, we maximize your deductions and ensure full CRA compliance. We work 100% online — simply upload your documents through your secure Client Portal and we take care of the rest.
Key Benefits
Maximize Your Refund
We identify every eligible deduction and credit to ensure you get the largest possible refund.
CRA Compliance Guaranteed
Full compliance with the latest CRA regulations and tax laws.
Fast Turnaround
Most returns are completed within 2–3 business days of receiving your documents.
100% Online
No need to visit an office — securely upload your documents from anywhere in Canada.
Frequently Asked Questions
What documents do I need for my T1 return?
You'll need your T4 slips (employment), T4A (pension, retirement or other income), T4E (EI), and T5 or T3 investment slips. Also gather RRSP contribution receipts, medical expense and donation receipts, childcare and tuition documents, and — if you're self-employed — your income and expense records for the year. Your prior-year Notice of Assessment is also helpful.
What is the T1 filing deadline?
April 30 is the filing and payment deadline for most individuals. If you or your spouse or common-law partner are self-employed, the filing deadline is June 15 — but any balance owing is still due April 30. When a deadline falls on a weekend or CRA-recognized public holiday, it moves to the next business day.
What is the penalty for filing my taxes late in Canada?
The standard late-filing penalty is 5% of the balance owing plus 1% of that balance for each complete month the return is late, up to 12 months. If the CRA has issued a demand to file and assessed a late-filing penalty for one of the previous three years, the penalty rises to 10% plus 2% per complete month, up to 20 months. Interest compounds daily on any unpaid balance — so file on time even if you can't pay in full.
Can you file my taxes for previous years?
Yes. We can prepare returns for prior tax years. Note that the CRA generally only issues refunds for late-filed refund returns received within 3 years of the original due date, and adjustments to already-filed returns are generally limited to 10 years — so filing promptly protects both refunds and your ability to correct past returns.
What can self-employed professionals deduct on their tax return?
Business expenses paid to earn your business income can generally be deducted if they are reasonable and supported by records — commonly a home-office share of rent and utilities, vehicle expenses for business driving, supplies, software, insurance and subcontractor fees. Personal portions are not deductible, and claims must be supported by receipts and records, not estimates.
Do I have to report income if I never received a tax slip?
Yes. All taxable income must be reported whether or not a slip was issued — including tips, side income, cash income and foreign income. The CRA receives copies of most slips and matches them to your return, and unreported income can trigger penalties plus reassessments later. Foreign income must be converted to Canadian dollars, and a foreign tax credit may offset tax already paid abroad.
What is this service?
A T1 personal tax return is the annual income tax return Canadian residents file with the Canada Revenue Agency (CRA) to report income, claim deductions and credits, and calculate tax owing or refunded. Accountants Online prepares and e-files T1 returns for employees, self-employed professionals, and investors across Canada — 100% online through a secure client portal, with most returns completed within 2–3 business days.
Who needs this service?
Every Canadian resident who earns income must file a T1 return for each tax year. Filing is especially important if you are self-employed, owe taxes, want to receive refundable credits such as the GST/HST credit or Canada Child Benefit, or need to report investment income or capital gains. Even with little or no income, filing protects your benefit eligibility and builds RRSP contribution room.
What documents are required?
- T4 (employment), T4A (pension, retirement, annuity, other income) and T4E (EI) slips
- T5 and T3 investment income slips; foreign income slips
- RRSP contribution receipts and Home Buyers' Plan / Lifelong Learning Plan statements
- Medical expense, donation, childcare, and tuition receipts
- Home-office and business expense records (self-employed)
- Prior-year Notice of Assessment
Key deadlines
April 30 is the filing and payment deadline for most individuals. If you or your spouse or common-law partner are self-employed, your filing deadline is June 15, but any balance owing is still due April 30. When a deadline falls on a weekend or public holiday, it moves to the next business day.
Common mistakes to avoid
Filing late (the CRA charges a 5% penalty on the balance owing plus 1% per full month, up to 12 months), forgetting RRSP receipts, missing eligible deductions such as home-office or employment expenses, and not reporting all income — the CRA receives copies of every T4, T5, and T4A slip issued to you.
How to get started
Book a free 15-minute consultation. We'll review your situation, tell you exactly what we need, and give you a flat-rate quote before any work begins. Everything is handled online through your secure client portal.
Get started — request a consultation