4 min
Behind on your taxes by four to six years: what to do
Quick summary
Being behind by four to six years is common and can be fixed. The main step is to file the missing returns, oldest first, then deal with any balance. Start with thelate-filing penalty rules.
Checked November 3, 2026. Main source: CRA: Late-filing penalty (modified Jan. 20, 2026). See all 4 sources.
If you are behind 4 to 6 years
- Interest has had more time to build, so the total can be much larger. Start with the oldest year.
- Read the Voluntary Disclosures Program rules. It is only for voluntary applications, so it is not open if the CRA has already started action on that information.
- Relief requests must relate to a period ending in the previous 10 calendar years.
- A tax professional can help if the returns are not simple.
Every situation
- File the oldest year first.
- Ask for a payment arrangement if you cannot pay.
- Ask for relief on penalties and interest if you qualify.
- Use free help before you pay a stranger.
Read next
Free help
- CRA Non-Filer helpline: 1-800-448-0444, Monday to Friday, 6:45 am to 7:30 pm Eastern.
- CRA TeleArrangement for personal income tax debt: 1-866-256-1147, Monday to Friday, 7 am to 10 pm Eastern.
- Free tax clinics for simple returns if your income is modest.
- A Licensed Insolvency Trustee, who may offer a free first meeting.
Questions people ask
Which year do I file first?
File the oldest missing year first, then work forward.
Will I owe a penalty if I am owed a refund?
The late-filing penalty applies to a balance owing. Filing late can still delay benefits and credits.