424 questions Canadians search about deductions, credits and savings, each answered against current CRA rules with the tax year stated on every figure. What you can claim, which income is taxable, and how RRSPs, TFSAs and investments are treated.
Most link through to the page that answers them in context. The 5 without a natural home open here. Filter by topic or search your own wording — and see every section for the rest.
Showing all 424 questions
Business deductions
What is a tax deduction?
Small Business Deductions Pricing and Fees
Can you claim car insurance on your taxes?
How do tax write-offs work?
Are life insurance premiums tax deductible in Canada?
Is child support or spousal support tax deductible in Canada?
Do you only pay tax on profit?
Does owning a business help with taxes?
Is a passport fee tax deductible?
Is the sales tax on a car deductible?
What tax breaks do small businesses get in Canada?
Can you write off tips as a business expense?
Are tax preparation fees deductible in Canada?
How much tax is deducted from my salary in Canada?
What expense category does internet go in for taxes?
Are daycare and preschool fees tax deductible in Canada?
How are leases treated for income tax purposes in Canada?
Can I claim babysitting, nanny or day camp costs on my taxes?
Are tips a deductible business expense?
How do you calculate payroll tax deductions in Canada?
Is there tax on car insurance in Ontario?
Which health expenses are tax deductible in Canada?
What expenses are not deductible on a Canadian tax return?
Are glasses tax deductible in Canada?
Can I write off legal fees on my personal tax return?
How much additional tax should I have deducted from my pay?
Is income tax a liability or an expense?
Are eyeglasses, eye exams and braces claimable as medical expenses?
Are summer camps tax deductible in Canada?
Is vehicle insurance tax deductible in Canada?
Are bank fees and credit card processing fees tax deductible?
Are business insurance premiums tax deductible?
Are hearing aids tax deductible in Canada?
Are health insurance premiums tax deductible in Canada?
Are prescription drugs tax deductible in Canada?
Is life insurance a tax write off in Canada?
Is travel insurance tax deductible in Canada?
A nanny's wages qualify as child care expenses, claimed by the lower-income spouse under the same age and earned-income limits that apply to daycare. Hiring a nanny also makes you an employer: you register a payroll account, withhold income tax, CPP and EI, remit on the schedule the CRA sets and issue a T4. Only the amount genuinely paid for care is claimable, so a cash arrangement with no records will not survive review.
Can I write off car insurance as a business expense?
Are adoption expenses tax deductible in Canada?
Are dental expenses tax deductible in Canada?
Can I write off life insurance premiums in Canada?
Is physiotherapy tax deductible in Canada?
Are immigration fees tax deductible in Canada?
Can I deduct nanny or babysitting costs on my taxes?
Are school fees tax deductible in Canada?
Can I deduct gas on my taxes in Canada?
Is a car insurance payout taxable in Canada?
Is a divorce settlement tax deductible?
Is a police record check tax deductible?
Is home insurance tax deductible in Canada?
Are hotel stays tax deductible?
How does an employer deduct income tax from an employee's pay?
Is taxable income calculated after deductions?
Is interest on a student line of credit tax deductible?
What are statutory deductions in Canada?
Which contributions are not tax deductible in Canada?
Are traffic tickets tax deductible?
Are legal fees for child support tax deductible in Canada?
Personal claims & credits
Can I claim rent on my taxes in Canada?
What medical expenses are tax deductible in Canada?
Are child care expenses tax deductible in Canada?
How do I claim daycare expenses on my tax return?
Can I claim my spouse as a dependent in Canada?
Is student loan interest tax deductible in Canada?
How can I get more money back on my tax return?
Can I claim the rent I pay on my tax return?
Can I claim daycare costs on my taxes?
Does paying rent affect your tax return in Canada?
Are estate planning fees tax deductible in Canada?
Are financial planning fees tax deductible in Canada?
How does claiming daycare expenses on your taxes work?
Is marriage counselling tax deductible in Canada?
Is my nursing licence fee tax deductible?
Can I include rent in my taxes?
Can preschool fees be claimed on taxes?
Can I claim child care costs for a nanny?
Is massage therapy a medical expense the CRA allows?
Are student loans taxable income in Canada?
Can I write off childcare costs?
Does claiming rent on your taxes actually help?
How do I get the most money back on my tax return?
Can I claim rent I paid on my tax return in Canada?
How much do you get back on taxes for daycare?
Does claiming the rent you pay make any difference on your taxes?
Where does rent go on a Canadian tax return?
Can I deduct spousal support payments?
Can I claim childcare or daycare fees on my tax return?
How much of my medical expenses can I claim?
Is before- and after-school care tax deductible?
How much of daycare costs do you get back at tax time?
Can I deduct legal fees on my tax return, and where do they go?
Who claims daycare costs on a tax return?
Can student loans take my tax refund?
Are student loan repayments tax deductible?
Can you claim children's activities on your taxes in Canada?
Do I have to report student loans on my tax return?
What is the Universal Child Care Benefit?
Do you report rent on your taxes in Canada?
Rent is not a deduction in Ontario, but the rent you paid feeds the Ontario Energy and Property Tax Credit, part of the Ontario Trillium Benefit. You apply by completing the Ontario benefits application filed with your T1 return, giving the total rent paid for the year and the address it was paid for. Eligibility and the amount depend on your income, family situation and age, and the benefit is paid out over the year rather than inside your refund.
Can medical expenses be carried forward?
How much do you get back on your taxes for rent?
Which spouse should claim child care expenses?
Can a student claim rent on their income tax?
How do I get my student loan tax information?
Can I claim child care as a business expense?
Can I claim my spouse as a dependant in Canada?
Do summer camps count as child care for taxes?
How do I claim the caregiver amount for my spouse?
Are accounting fees tax deductible for individuals in Canada?
Can you claim childcare on your taxes if you pay cash?
Are law society and professional membership fees tax deductible?
Can I deduct legal fees related to my employment?
Is this income taxable?
What is taxable income in Canada?
Do tips count as taxable income?
What is non-taxable income in Canada?
How much of my income is taxed in Canada?
How much tax is taken off severance pay?
Are scholarships taxable in Canada?
Do I have to report scholarship income on my tax return?
Is income tax taken off EI payments?
Do you have to report income under $5,000?
Do waitresses and servers get taxed on tips?
Are workers' compensation benefits taxable?
Are cash tips taxable in Canada?
Is there a no tax on tips rule in Canada?
How is severance pay taxed in Canada?
Is financial assistance taxable in Canada?
Are insurance premiums taxable in Canada?
Are lump sum payments taxable in Canada?
Are termination and severance payments taxable?
Are tips and gratuities taxable in Canada?
Are tips paid by credit card taxed?
Are tips taxable in Ontario?
Are tips taxed at a different rate than wages?
Are workers' compensation payments taxable in Canada?
Do banks send T5 slips to the CRA?
Do I have to report tips as income?
Do EI benefits count as income, and does everyone get a slip?
Is employer-paid medical insurance taxable income?
Is homestay income from hosting a student taxable?
How much EI will I receive after tax?
Do you pay income tax on employment insurance benefits?
Usually not. A bursary, scholarship or fellowship you receive as a student is reported on a slip, but the scholarship exemption removes it from income where you are enrolled in a program that qualifies for the education amount; full-time study, and elementary or secondary school, are fully exempt. Part-time students get a narrower exemption tied to tuition and materials. Amounts for research or for a program with no tuition can be taxable, so check the CRA's scholarship exemption page.
Is a loan considered income in Canada?
Is EI maternity or parental leave pay taxable?
Is rent assistance or a housing benefit taxable?
Is room and board taxable in Canada?
Is it illegal not to claim cash tips on your taxes?
Is pay in lieu of notice taxable?
Is retirement or military pension income taxable in Canada?
Is a retiring allowance the same as severance pay?
How is tax calculated on severance pay?
Do they take taxes out of severance pay?
What does non-taxable mean?
What goes on line 12100 of the T1 return?
What income is not taxed in Canada?
What money is not taxable in Canada?
When do EI tax slips come out?
Do I have to report cash income in Canada?
Does severance pay include benefits?
How do I figure out my taxable income?
What income is exempt from tax under the Indian Act?
Is OSAP money taxable in Canada?
Do I have to pay tax on cash tips in Canada?
Do you pay tax on a severance package?
Is tax taken off EI benefits?
Do restaurant owners and staff pay tax on tips?
What is a gratuity in Canada?
What percentage of tips is taxed?
Are personal loans taxable in Canada?
Does employment income include taxes?
Do tips count as part of my gross income?
Do servers have to pay tax on tips in Canada?
Does a loan count as income in Canada?
Does EI send out a T4 slip?
Is the Guaranteed Income Supplement taxable in Canada?
Is retroactive EI back pay taxable?
Are social assistance payments taxable?
What income is not taxable in Canada?
Is severance or redundancy pay tax-free?
Where do I report tips on my Canadian tax return?
Is child support taxable in Canada?
Is a payout of unused vacation or leave taxable?
What things are taxed in Canada?
How do I calculate my annual income for tax purposes?
How is a severance package taxed in Canada?
Do you have to declare scholarship money as income?
Is there an amount of income I do not have to report?
Which items are not taxed in Canada?
How is my salary taxed in Canada?
How do I declare cash or casual income in Canada?
Does non-taxable income still count as income?
Is a subsistence or meal allowance from my employer taxable?
Is the employment income on a T4 before or after tax?
What is chargeable income?
What is non-employment income?
What is not considered income for Canadian tax?
What is reportable income?
Are scholarships taxable income in Canada?
What percentage of tips is taxable in Canada?
Is line 10100 employment income, and does a T4A count as employment income?
Which groceries are taxed in Ontario?
Is a per diem taxable in Canada?
How do I calculate my gross income?
Is food taxed in Canada?
Is OSAP taxable income?
Is spousal support taxable?
How are tips taxed in Canada?
Is rent from a room or a roommate taxable income?
Is student financial aid taxable in Canada?
Are tips treated as gifts rather than taxable income?
Are tips taxed in British Columbia?
What does the CRA mean by other income?
Why is my employment income higher than my salary?
Is supplemental income such as a bonus taxed differently?
Is travel pay from my employer taxable income?
Is workers' compensation taxable income in Canada?
What counts as other employment income on a T1?
What income does not need to be reported on a Canadian return?
What percentage of income is taxed in Canada?
Are Canada Student Grants taxable?
Do Canadian military members pay income tax?
Which foods are taxable in Canada?
Are scholarships considered income in Canada?
Do you have to report OSAP on your taxes?
How do I work out my taxable income?
What is considered taxable income in Canada?
Why is my severance taxed so high?
Why is so much tax taken off my pay in Canada?
Is taxable income the same as gross income?
Is salary taxable income?
Are groceries taxed in British Columbia?
Are DRIPs taxable in Canada?
Are groceries taxed in Canada?
What percentage of my pay is taxed in Canada?
Which goods and services are taxable in Canada?
Are grants taxable in Canada?
Is a tax refund taxable income?
Are bursaries taxable in Canada?
Are grants taxable income in Canada?
Are incentives taxable in Canada?
How are businesses taxed in Canada?
Is restaurant food taxed in Canada?
Is scholarship money taxable in Canada?
Are stipends taxable in Canada?
Is AISH taxable income?
Is alimony taxable in Canada?
Is toilet paper taxed in Ontario?
Are cigarettes taxed in Canada?
Are delivery charges taxable?
Are scholarships, bursaries and student awards taxable in Canada?
Are graduate stipends and fellowships taxable in Canada?
Is cash income taxable in Canada?
What are examples of taxable income?
Are waiters taxed on their tips?
Canada taxes residents on worldwide income and non-residents only on Canadian-source income. The system is self-assessed: you report income on a T1 return, subtract deductions, apply credits, then pay federal plus provincial tax at graduated rates on the result, with employers withholding through payroll during the year. The 2025 return was due 30 April 2026. Sales tax, property tax and payroll contributions sit on top of income tax.
How is total taxable income calculated?
Is business income taxable?
What is taxable income in BC?
Which allowances are taxable?
Are loan repayments taxable?
Are student stipends taxable in Canada?
Are support payments taxable in Canada?
Do I have to claim OSAP grants on my taxes?
How is taxable income determined in Canada?
How much can I gift my spouse tax free in Canada?
Is an allowance taxable income?
Is short-term disability income taxable in Canada?
Is the sale of land taxable in Canada?
Is welfare income taxable in Canada?
What grocery items are taxed in Canada?
The Benefits of Professional Small Business Deductions
What is a tax credit?
How do I apply for the Canada child benefit?
What is the social benefits repayment on a tax return?
What is family allowance in Canada?
How much is the child benefit in Ontario?
What does the CRA consider low to moderate income?
How much is the Canada Child Benefit?
Who gets the GST/HST credit in Canada?
What income counts for the Guaranteed Income Supplement?
Can I file taxes if I do not have a job?
Can I file a tax return if I did not work this year?
How do I contact the CRA about my Canada child benefit?
Are people with disabilities exempt from income tax in Canada?
Do people on social assistance get a tax refund?
Is the adoption expense tax credit refundable?
When is the next Ontario Trillium Benefit payment?
What is the Ontario government deposit in my bank account?
Which spouse receives the GST/HST credit?
Which tax credits can be transferred to a spouse?
Who is eligible for the Canada Child Benefit?
Will a tax credit increase my refund?
Can someone on social assistance get a tax refund?
How long does disability tax credit back pay take?
Can medical expenses be split or transferred between spouses?
Can you get back more tax than you paid?
What is a GST cheque in Canada?
Who qualifies for a rent rebate or renter's tax credit?
What is the Canada GST deposit in my bank account?
Does the Canada child benefit count as income?
When are GST/HST credit payments made?
How do you qualify for the GST/HST credit in Canada?
How much do students get back in taxes in Canada?
What is the personal tax credit in Canada?
When does the CRA send out benefit payments each month?
What income is used to calculate the GIS?
What does an estimated GST/HST credit amount mean?
What tax credits and rebates can low-income Canadians claim?
Is the Canada Child Benefit taxable?
Is there a renters tax credit in Canada?
Can you get the GST credit if you have no income?
Are there any tax rebates or credits available this year?
Do you still get the GST/HST credit if you file late?
How do I claim a renter's tax credit in Canada?
Does Canada have a low-income tax offset?
How much is the spousal tax credit?
What is the income threshold to qualify for the CCB?
How do tax credits work in Canada?
How is household income calculated for Canadian tax purposes?
How does combined family income affect child benefit amounts?
How much will my next GST/HST credit payment be?
What is the age amount tax credit?
Who receives the Canada child benefit when parents are separated?
What time is the GST/HST credit deposited?
When is the Canada Child Benefit paid?
Who is eligible for the GST/HST credit?
Is there a renter's tax credit in Canada, and who qualifies?
Who qualifies for the Canada child benefit?
How do I apply for the GST/HST credit?
What is working income according to the CRA?
What is the education property tax credit?
What is the low income tax reduction and who can claim it?
Are tax credits transferable or can they be carried forward?
Do you get a tax credit for being married in Canada?
How much is the tax credit for a dependant?
Do you get a tax credit for daycare in Canada?
When do Canada Child Benefit payments stop?
How much is the disability tax credit and how do you claim it?
No. The Canada Carbon Rebate, earlier called the climate action incentive payment, was never taxable, is not reported as income and does not reduce your other credits. Eligibility depended on residing in a province where the federal fuel charge applied and on filing a return, which is how the CRA identified you. The federal fuel charge rates were set to zero effective 1 April 2025 and the final Canada Carbon Rebate was issued that same month, so no further payments are coming. Check My Account for anything outstanding.
Can unused student loan interest be carried forward?
Are CFA exam fees tax deductible in Canada?
Can I claim a renter's credit if I only rent a room?
Paying less, legally
How can I reduce the tax I pay in Canada?
How much income is tax free in Canada?
How do I maximise my tax refund in Canada?
How do I get the most out of my taxes in Canada?
How do I stay on top of my taxes during the year?
How do I pay myself from my business in Ontario?
How can I reduce the tax on a large lump-sum payment?
How can I reduce the tax on severance or a lump-sum payout?
How can a salaried employee in Canada save tax?
How can a small business owner legally reduce tax in Canada?
What are tax incentives?
How can I reduce the tax I owe?
Can a business owner in Canada legally pay no tax?
What is tax avoidance in Canada?
How can I lower a tax bill I already owe?
Is it legal to avoid paying tax in Canada?
Can I give money to my spouse tax free?
What actually lowers my taxable income?
How do I avoid tax on a savings account in Canada?
How do companies pay less tax?
Which purchases are tax free in Ontario?
What are tax free employee benefits in Canada?
What is a taxable event?
Can I invest business profits to avoid tax?
How do wealthy people reduce their taxes in Canada?
Is food tax free in Canada?
Can I pay my spouse a salary from my business tax free?
Can I rent a room in my house tax free?
How can I pay less tax on my salary in Canada?
How do wealthy Canadians pay less tax?
How is a bonus taxed in Canada?
Can I rent my own property to my corporation in Canada?
What does tax free mean in Canada?
RRSPs, TFSAs & retirement
Are retirement benefits taxed in Canada?
Is rent earned income for RRSP purposes?
When you retire, do you get a lump sum or monthly payments?
How is a lump sum pension payment taxed in Canada?
Is retirement income taxable in Canada?
Are pension and retirement lump sums taxable?
Are TFSA withdrawals taxable?
How much does the government add to an RESP?
What are the FHSA contribution limits?
How long do you have to repay a Home Buyers' Plan withdrawal?
How much can you withdraw under the Home Buyers' Plan?
How long can an FHSA stay open?
What is the RESP contribution limit?
What is the RRSP contribution deadline for a tax year?
What is the RRSP contribution limit for 2026?
What happens if you over-contribute to an RRSP?
What is the TFSA contribution limit for 2026?
How much TFSA room do I have if I have never contributed since 2009?
What happens if you over-contribute to a TFSA?
When did tax-free savings accounts start in Canada?
When does an RRSP have to be wound up?
How much does an RRSP contribution reduce my income tax?
How can I reduce tax in retirement in Canada?
Do you get severance pay if you retire?
Do attribution rules apply to money I give my spouse for a TFSA?
Do retirees have to file a tax return in Canada?
How do I estimate the tax I will pay in retirement?
Does income tax include CPP and EI?
Does rental income affect my pension?
Does rental income count for CPP and RRSP purposes?
What is the required Home Buyers' Plan repayment amount?
How much income tax will I pay in retirement?
How much of a pension lump sum is tax free in Canada?
Are taxable benefits pensionable earnings?
Can severance pay be transferred to an RRSP?
Do restaurant tips attract CPP, EI and GST/HST?
Do retired people have to file a tax return?
Do you pay income tax on OAS in Canada?
How are CPP, EI and income tax deductions calculated on pay?
How is annuity income taxed in Canada?
Is CPP considered employment income?
Who claims the deduction for a spousal RRSP contribution?
Capital gains & investing
How is real estate taxed when it is sold in Canada?
How do I calculate capital gains tax in Canada?
How are commodity trading gains taxed in Canada?
Can you owe money on stocks?
Is income from stocks taxable in Canada?
Is rental income a capital gain?
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Reviewed and fact-checked by Udit Gupta
Ex Big 4 — Ernst & Young, Deloitte · International & cross-border tax specialist · CPA Canada (In-Depth Tax Program) · Chartered accountant, ICAI & MIA
Udit Gupta has over 15 years of experience helping corporations and business owners with corporate structuring, corporate tax filing, bookkeeping, payroll, GST/HST, cross-border tax and CRA representation. Big 4 trained at Ernst & Young and Deloitte, and qualified as a chartered accountant in India and again in Malaysia, he founded his accounting practice in 2014 to serve entrepreneurs, startups and non-resident business owners across Canada. View full member bio.
The Institute of Chartered Accountants of India — member 521458 · Malaysian Institute of Accountants — member CA 44667 · Ex Big 4: Ernst & Young, Deloitte · CPA Canada (In-Depth Tax Program), completed 19 Dec 2023 · In-Depth GST/HST Part I, 12 Jul 2022 · Part II, 5 Jul 2023
Editorial policy. Every page is researched against primary sources — the Income Tax Act, CRA publications and CPA Canada guidance — and every rate or threshold is stated with the tax year it applies to.
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