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At Tax Filings Canada, we handle every part of your cross-border personal tax, from the filing itself to the planning around it. Our accountants work with individuals and families every week, so your return is filed correctly and you keep every credit you are entitled to.
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Stay compliant and optimize your financial processes with our specialized cross-border personal tax services.
No hidden fees. Pay only after your service is completed. The fee is agreed before any work starts.
Yes — cross-border personal tax can be handled entirely online. Tax Filings Canada covers treaty positions, foreign tax credits, T1135 disclosure and non-resident withholding for Canadians with US ties and non-residents earning Canadian income at budget-friendly fixed fees, pay-after-service.
Share your records in one go or in pieces as you find them.
Our preparers work through your cross-border personal tax file and note anything worth discussing.
You approve the final version only after your questions are answered.
We submit on your behalf and keep the paper trail organized for you.
| Factor | Tax Filings Canada | Typical Firm |
|---|---|---|
| Pricing model | Fixed, flat fee | Hourly / unpredictable |
| Payment | Pay after service | Upfront retainer |
| Price match | Yes, on written quotes | Rarely |
| CRA audit support | Included | Billed extra |
| Typical turnaround | 3-5 business days | 2-4 weeks |
The T1135 foreign income verification statement applies once specified foreign property passes $100,000 in cost — late-filing penalties start at $25 a day. Our cross-border personal tax engagement is priced as a budget-friendly flat fee, so the cost is known before the work starts.
A few notes from the files we actually work on, because cross-border personal tax is decided by details that never make it into a brochure.
Ask any tax professional where cross-border personal tax files go sideways, and the answer usually traces back to this: A US LLC is a flow-through for US purposes but a corporation for Canadian purposes. That mismatch routinely produces double taxation unless the structure is corrected.
There is a companion rule that changes how the first one plays out in practice: The T1135 foreign income verification statement is required once specified foreign property exceeds $100,000 in cost. Late-filing penalties start at $25 a day to a maximum of $2,500 per year, before gross-negligence penalties. On the record-keeping side, one rule governs what must be kept and what must be shown: A CCPC files its T2 within six months of year-end, with the balance due two months after (three where the small business deduction is claimed). The 9% federal small business rate applies to the first $500,000 of active business income. The filing and payment deadlines differ, and interest runs from the payment date. Filing on time while paying late still costs money.
Think of these rules as the fixed terrain; your circumstances decide the route through it. Mapping that route is the work a tax professional takes off your plate for cross-border personal tax. Gather whatever records touch the numbers — statements, ledgers, prior-year filings — and we take it from there.
No surprises is the operating principle: the fee is agreed and fixed before we start, you review everything before it is filed, and payment comes after the work, not before.
Providing transparent fixed pricing and high-quality compliance work for your cross-border personal tax requirements.
Coverage: Standard bookkeeping and cross-border personal tax preparation.
Ideal for early-stage startups and sole proprietors.
Book NowCoverage: Full-service bookkeeping, filings, and CRA compliance support.
Perfect for established small businesses.
Book NowCoverage: Strategic advisory and fractional CFO integration.
Ideal for companies seeking high-growth financial structuring.
Book NowWhy you should partner with Tax Filings Canada Experts for all your cross-border personal tax needs?
Providing tailored cross-border personal tax services to ensure compliance and maximize deductions.
Our tax accountants keep your business compliant with federal and provincial tax rules.
A dedicated team that handles your financials quickly, accurately, and without upfront fees.
Dedicated preparation processes customized for Canadian businesses.
Advanced accounting software integrations with QuickBooks, Xero, and wave accounting.
Customized packages designed to grow as your business operations expand.
Our clear four-step workflow ensuring absolute tax optimization and complete CRA compliance.
Start with a free, no-obligation consultation to review your business’s financial, tax filing and compliance needs and outline our affordable solutions.
Receive a comprehensive checklist and securely provide the required financial records and documents.
Our tax accountant and accounting experts carefully prepare your filings, identify all applicable deductions and credits, and conduct thorough reviews.
We file your documents electronically with the Canada Revenue Agency (CRA) on time and provide post-filing support.
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See how our expert Cross-Border Personal Tax and accounting services have helped Canadian businesses save money and stay compliant.
A $62,000 reassessment was proposed against a family with a Florida vacation property in Saskatoon, Saskatchewan. It followed foreign accounts that had passed the $100,000 T1135 threshold three years earlier. The documented response reduced it to nil.
A review notice arrived at a family with a Florida vacation property in Saskatoon, Saskatchewan, covering cross-border personal tax for two tax years. The auditor's working position was an adjustment of $62,000. It was driven by foreign accounts that had passed the $100,000 T1135 threshold three years earlier. Rather than negotiate, we rebuilt the record. We filed the outstanding T1135 disclosures through the Voluntary Disclosures Program, which eliminated the penalty exposure entirely. We then submitted a point-by-point response that answered each proposed adjustment with the document behind it. The auditor accepted the documented position and closed the review without adjustment, protecting $62,000 and leaving the prior filings undisturbed.
A Canadian with a US employer in Surrey, British Columbia was taxed twice on one stream of income. US tax paid but no foreign tax credit claimed on the Canadian return had never been tested against the treaty. $111,000 was recovered.
A Canadian with a US employer in Surrey, British Columbia had US-side activity that the Canadian filings had never addressed. US tax paid but no foreign tax credit claimed on the Canadian return meant the same income was being taxed twice. We established the residency and source position first. Then we reconstructed the day count on both sides of the border and documented the residency and treaty position before either revenue authority asked. That way the Canadian and foreign filings finally told the same story. $111,000 of double taxation was removed, the disclosure obligations were brought current, and the penalty exposure was eliminated through the voluntary route.
A Canadian corporation with US customers in Winnipeg, Manitoba needed a holding structure. It had to deal with a US LLC taxed as a corporation in Canada, producing double tax on the same income. The reorganisation was tax-neutral and removed $37,500 of annual exposure.
The structure at a Canadian corporation with US customers in Winnipeg, Manitoba needed fixing. The file was carrying a US LLC taxed as a corporation in Canada, producing double tax on the same income. Every option for fixing it ran through a reorganisation that had to be done without triggering tax. We worked with the client's lawyer. Together, we registered the payer for a non-resident withholding account, remitted the Regulation 105 amounts due, and applied for waivers covering the rest of the contract. We also prepared the elections, resolutions and valuations the structure needed to stand up. The structure now matches the business. Annual saving of $37,500, and the reorganisation itself was tax-neutral.
A contractor working on both sides of the border in Edmonton, Alberta had already been penalised. The issue was invoices paid to a non-resident consultant working on site in Canada with no Regulation 105 withholding taken. A relief application cancelled $138,000 of that penalty.
A contractor working on both sides of the border in Edmonton, Alberta had already missed one deadline and was about to miss a second. Behind it sat invoices paid to a non-resident consultant working on site in Canada with no Regulation 105 withholding taken. A penalty of $138,000 was accruing. We split the work into what had to happen before the deadline and what could follow it. Then we filed the section 216 election with the supporting rental statements and recovered the excess withholding as a refund. The outstanding return was accepted as filed, and the taxpayer relief application cancelled $138,000 of the penalty already assessed on the earlier year.
Remittances at an emigrant who left Canada mid-year in Vancouver, British Columbia were chronically late. It came down to 25% withholding on gross Canadian rent where a section 216 election would have taxed only the net. Fixing the schedule refunded $50,000.
Remittances at an emigrant who left Canada mid-year in Vancouver, British Columbia were consistently late by a few days. That was enough to trigger penalties every quarter. Behind it sat 25% withholding on gross Canadian rent where a section 216 election would have taxed only the net. We restructured the US holding so the Canadian and US characterisations aligned, ending the double taxation going forward. Then we moved the remittance dates into a scheduled process rather than a monthly decision. Penalties stopped from the following remittance onwards, and $50,000 of overpaid instalments was refunded.
A US citizen living in Canada in Toronto, Ontario was scaling. The growth exposed dividends paid to a non-resident shareholder with nothing withheld, leaving the payer holding the liability. The back office was rebuilt to match, freeing $58,000.
A US citizen living in Canada in Toronto, Ontario was opening in a second province. That meant different filing obligations and a different payroll regime. Dividends paid to a non-resident shareholder with nothing withheld, leaving the payer holding the liability already sat in the file. We aligned the Canadian and US reporting of the same income so the foreign tax credit claim carried support on both returns. We then put monthly reporting in place. That let the owner see the cash effect of growth while there was still time to act on it. Growth was absorbed without a compliance failure. $58,000 of cash was released, and the monthly reporting now flags a problem while it is still small.
Meet the specialists behind your Cross-Border Personal Tax filings. Our Partners Are Alumni of the World's Top Accounting and Tax Institutions
CA (ICAI), CA (MIA), CPA Canada (In-Depth Tax Program)
Canada Tax, International Tax, Cross Border Tax, Transfer Pricing
International Tax, Transfer Pricing Specialist
CA (ICAI), Canada Tax Expert
CA. Fractional CFO and Senior Advisory Specialist
Same fixed fees in every province. Find your city or your sector.
Direct answers to what Canadian business owners actually ask before hiring an accountant.
Cross-Border Personal Tax starts at a fixed fee quoted before any work begins. The quote is locked at the outset and does not change mid-engagement, and you pay only after you have reviewed and approved the deliverable. Compare every plan on our transparent pricing page.
At minimum: prior-year returns and notices of assessment, your bank and credit-card statements for the fiscal period, payroll records if you have employees, and GST/HST filings. We send a checklist tailored to your situation after the free 15-minute call.
Most engagements are completed within 3 to 5 business days once your documents are complete. Catch-up work covering multiple years takes longer, and we tell you the realistic timeline before you commit rather than after.
We respond on your behalf at no extra charge for any return we prepared. Every figure we file is supported by documentation retained in your file, which is what turns a CRA review from a crisis into correspondence. See how our CRA audit representation works.
Yes. Late filing penalties compound at 5% of the balance owing plus 1% per month, so the cost of waiting is real. We prioritise catch-up work and, where eligible, file under the CRA's Voluntary Disclosures Program to reduce penalties.
Yes. We serve clients in every province and territory at the same fixed fees, so your location does not change the price or the service. Browse our coverage across Canada to find your city.
We work across construction, healthcare, e-commerce, professional services, restaurants, real estate, transportation, technology and non-profits, each with its own deduction profile and CRA scrutiny patterns. See all industries we serve.
Software applies the rules you already know about. An experienced tax accountant finds the ones you do not: capital cost allowance timing, the small business deduction threshold, shareholder loan repayment rules, and TOSI exposure on family dividends. The fee is usually smaller than the deductions it surfaces.
Our cross-border personal tax services include complete filing, compliance management, and strategic advice customized to Canadian tax laws.
You can start by booking a free 15-minute call. We will review your files, provide a fixed quote, and start working immediately.
The honest starting point is this: A payment to a non-resident for services performed in Canada is subject to 15 percent withholding under Regulation 105. That applies whether or not the non-resident ends up owing Canadian tax. A waiver has to be applied for before the payment is made, and the payer that withheld nothing is the one assessed. Everything else we would tell you is tailoring, and tailoring requires seeing your file.
Departure from Canada triggers a deemed disposition of most property at fair market value. The resulting gain has to be reported on the final resident return. We flag this early with every client it touches, because finding it out at filing time leaves you far fewer options than finding it out now.
The questions Canadians actually search on this topic, answered plainly. Browse every question in the Canadian tax answers directory.
A tax return is the annual filing that reports your income, deductions and credits to the CRA so the final tax for the year can be settled. Payers withhold tax during the year and the return reconciles that against what you actually owe, producing either a refund or a balance to pay. For 2025 returns filed in 2026, refunds usually arrive in about two weeks for an online return, while a paper return runs on a considerably longer standard because it is handled manually.
Your marginal tax rate is the rate on your next dollar of income, not on your income as a whole. Federally for 2026 that is 14%, 20.5%, 26%, 29% or 33% depending on the bracket you have reached, and your province's rate stacks on top, so an Ontario earner in the 26% federal band adds the Ontario rate for their own band. The two sets of thresholds rarely line up, so add the two rates together.
Canada taxes income in graduated brackets, so only the income above a threshold is taxed at that bracket's higher rate and moving up a bracket never reprices the income below it. There is one federal set of brackets and a separate set for each province and territory, and the thresholds are indexed to inflation every year. Look up the current figures for your province on the CRA rate tables rather than relying on an older list.
Once you stop being a small supplier. That happens when your taxable revenue passes $30,000 measured over four consecutive calendar quarters, or within a single calendar quarter - and if you cross the threshold inside one quarter, you must charge GST/HST on the very sale that takes you over. You then register and file returns for the assigned period. You can also register voluntarily below the threshold to recover input tax credits.
Canadian-source income is income whose origin is in Canada: employment carried out here, a business carried on here, rent from Canadian real property, gains on taxable Canadian property, and Canadian pension, dividend and interest payments. It matters most for non-residents, who are taxed only on Canadian-source amounts, often by withholding at the payer rather than by filing. Residents are taxed on worldwide income instead. A tax treaty can reduce the withholding rate for your country.
It means the price shown excludes sales tax, which is added at the till, so what you pay depends on the province. Ontario adds 13% HST; New Brunswick, Newfoundland and Labrador and Prince Edward Island add 15%; Nova Scotia adds 14%; Alberta and the territories add 5% GST only. British Columbia adds 5% GST plus 7% PST, Saskatchewan 6% PST, Manitoba 7% RST, and Quebec 9.975% QST on the pre-GST price.
The repayment period is 15 years. It normally starts the second year after the year of your first withdrawal, Temporary relief enacted in 2024 pushes that start out to the fifth year after the withdrawal year, but only for a first withdrawal made between 1 January 2022 and 31 December 2025; a first withdrawal made in 2026 falls under the standard rule, so 2028 is its first repayment year. Any shortfall in a year is added to your income.
Tax revenue is the money governments receive from taxes: personal and corporate income tax, GST/HST and provincial sales taxes, payroll contributions, excise duties and property taxes. It funds health care, schools, roads, defence, pensions and benefit programs, and it is also used to shape behaviour through targeted credits and levies. In Canada the CRA collects most federal and provincial income tax and GST/HST, while municipalities collect property tax directly.
Travel insurance is only partly claimable. The medical portion of a travel policy generally counts as a private health services plan premium and can be included with your medical expenses, while trip cancellation, baggage and interruption coverage cannot. Ask the insurer to break the premium down, because a single quoted price will not support the claim. Insurance bought for a genuine business trip is deductible against business income instead.
Ontario's HST is 13% for 2026, 5% federal and 8% provincial, and relief for a Status Indian purchaser turns on delivery rather than where the shop sits. Goods bought off reserve are taxable unless the vendor delivers them to the reserve, and a service is relieved only when performed on reserve. Eligible First Nations purchasers can claim point-of-sale relief for the 8% provincial part on qualifying off-reserve purchases by presenting a Certificate of Indian Status; the 5% federal part still applies.
You can, but only with proof. A child care expense claim needs a receipt from the provider showing their name, address, the amount paid and the period covered, and where the provider is an individual, their social insurance number. Cash is not the problem; an undocumented payment is, because the CRA routinely asks for receipts and denies the claim when none exist. Ask for a written receipt each time you pay and keep it for six years after the end of the tax year it relates to.
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. He is Big 4 trained, at Ernst & Young and Deloitte, and qualified as a chartered accountant in India and again in Malaysia. In 2014 he founded his accounting practice 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.
Sources. Canada.ca — Personal income tax · Income Tax Act (Justice Laws Website)
