Canadian Taxes
Understand tax credits, deductions, and how to file your return. Get the most from your tax refund.
AnnuallyImportant Dates for the 2025 Tax Year
March 2, 2026
RRSP contribution deadline for the 2025 tax year
April 30, 2026
Tax filing deadline for most Canadians
June 15, 2026
Tax filing deadline for self-employed individuals
April 30, 2026
Payment deadline (even if filing June 15)
Common Tax Credits & Deductions
Tax credits reduce your tax owing, while deductions reduce your taxable income. Refundable credits can result in a refund even if you owe no tax.
Basic Personal Amount
Non-refundableEveryone can earn up to $16,452 (2026) tax-free federally, with a lower amount for higher incomes.
Canada Child Benefit (CCB)
RefundableMonthly tax-free payment for families with children under 18.
Canada Groceries and Essentials Benefit (CGEB)
RefundableTax-free quarterly payments for people with low and modest incomes. Replaced the GST/HST credit in July 2026.
Canada Workers Benefit (CWB)
RefundableRefundable tax credit for low-income working individuals and families.
RRSP Deduction
DeductionContributions to RRSP reduce taxable income dollar-for-dollar.
Medical Expenses
Non-refundableClaim eligible medical expenses exceeding 3% of net income or $2,759 (whichever is less).
Tax Filing Tips
- File electronically — NETFILE is faster and reduces errors. Refunds arrive in about 2 weeks.
- Set up direct deposit — Get your refund deposited directly into your bank account.
- Use Auto-fill my return — CRA can pre-populate your tax slips into certified software.
- Claim all credits — Even if you owe no tax, file to claim refundable payments like the Canada child benefit and the Canada Groceries and Essentials Benefit (formerly the GST/HST credit).
- Keep records for 6 years — CRA may request supporting documents for any return.
Free Tax Filing Options
You don't need to pay to file your taxes. CRA offers free certified software and free tax clinics for eligible Canadians:
- • NETFILE-certified software — Several free options available at canada.ca
- • Community Volunteer Income Tax Program (CVITP) — Free in-person tax help
- • File My Return — Automated phone service for eligible Canadians
Official Sources