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At Tax Filings Canada, we handle every part of your investment income tax return, 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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Need investment income tax return in Canada? Tax Filings Canada delivers the T1 return with every slip — T4, T4A, T5, T3 — plus RRSP, FHSA and credit optimization for employees, self-employed Canadians and investors — budget-friendly fixed fees quoted up front, and you pay only after you approve the work.
Gather what you have — even a shoebox of receipts is a fine starting point.
We turn your records into a complete, review-ready investment income tax return file.
You get a walkthrough of the results, in plain language, before you approve a thing.
We submit everything for you and stay available for whatever follows.
| 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 |
T1 returns are due April 30, and June 15 for the self-employed — though any balance owing still accrues interest from April 30. We quote investment income tax return as one budget-friendly fixed price — the budget-friendly alternative to hourly billing.
Before you hand investment income tax return to anyone, it is worth knowing what the work actually turns on.
If a client remembers only one point from this page, it should be this one: A T1 adjustment can reach back ten calendar years, and ReFILE handles most changes without a paper T1-ADJ. Most missed refunds are still recoverable years later. Very few taxpayers go back and look.
Layer a second constraint on top and the picture sharpens: An expense is deductible where it was incurred to earn income and is reasonable in the circumstances. The business-use portion must be supported, which for vehicles means a logbook. The CRA rarely argues that an expense category is wrong; it argues that the proportion claimed was never substantiated. The last of the major rules is about when, not what. The late-filing penalty is 5% of the balance owing plus 1% for each full month late, to a maximum of twelve months. A second late filing within three years doubles both figures. The penalty is calculated on the balance owing, so a late return with nothing owing costs nothing — which is why filing on time matters even when you cannot pay.
So where does that leave you? In most cases, with a decision about whether to work through investment income tax return alone or hand the moving parts to a tax services provider who tracks them for a living. To keep the engagement efficient, assemble these records before we begin.
The last note is about how we work rather than the rules: every engagement comes with a fixed fee agreed up front, a review with you before filing, and payment after — not before — the service.
Providing transparent fixed pricing and high-quality compliance work for your investment income tax return requirements.
Coverage: Standard bookkeeping and investment income tax return preparation.
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Perfect for established small businesses.
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Ideal for companies seeking high-growth financial structuring.
Book NowWhy you should partner with Tax Filings Canada Experts for all your investment income tax return needs?
Providing tailored investment income tax return 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 Investment Income Tax Return tax and accounting services have helped Canadian businesses save money and stay compliant.
A retiree splitting eligible pension income with a spouse in Saskatoon, Saskatchewan was overpaying instalments. The cause was three years of returns filed without the slips that had been mailed to an old address. Rebasing them returned $41,000 to the business.
A retiree splitting eligible pension income with a spouse in Saskatoon, Saskatchewan was paying instalments calculated on a prior year. That year no longer reflected the business. Three years of returns filed without the slips that had been mailed to an old address was tying up $41,000 of cash. We rebased the instalments on the current-year estimate rather than the prior-year default. Alongside that, we pulled the full slip history from the CRA record, refiled the affected years by adjustment request, and recovered the credits that had been missed. $41,000 of cash stayed in the business, the penalty cycle ended, and the instalment position is reviewed each quarter against actual results.
A first-time home buyer in Windsor, Ontario needed a holding structure. It had to deal with foreign accounts that had crossed the T1135 threshold two years earlier. The reorganisation was tax-neutral and removed $71,000 of annual exposure.
The structure at a first-time home buyer in Windsor, Ontario needed fixing. The file was carrying foreign accounts that had crossed the T1135 threshold two years earlier. 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 obtained the signed T2200 and rebuilt the employment-expense claim on the prescribed form with the supporting records attached to the file. We also prepared the elections, resolutions and valuations the structure needed to stand up. The structure now matches the business. Annual saving of $71,000, and the reorganisation itself was tax-neutral.
The CRA had assessed an employee who moved provinces mid-year in Vancouver, British Columbia on estimates across 5 unfiled years. Real filings vacated $144,000 of that tax.
5 years of unfiled returns had turned into notional assessments at an employee who moved provinces mid-year in Vancouver, British Columbia. Underneath lay medical expenses claimed on a calendar-year basis when a shifted window was worth far more. Collections had already started. We reported the disposition and filed the principal residence designation for the year of sale, closing the late-designation exposure before the CRA raised it. We then filed every outstanding year in chronological order so the CRA could vacate the notional assessments cleanly. All 5 years were accepted as filed. $144,000 of arbitrarily assessed tax was vacated, collections action stopped, and the account is current for the first time in 5 years.
An employee with foreign investment accounts in London, Ontario expanded into a second province. The file already carried a home sale never reported on the basis that the gain was exempt anyway. Every obligation was set up in advance and $23,500 of cash released.
Revenue at an employee with foreign investment accounts in London, Ontario was up sharply and cash was tighter than ever. Underneath it sat a home sale never reported on the basis that the gain was exempt anyway. We carried the capital loss back against gains reported in the prior three years and generated a refund rather than a carry-forward balance. Every new obligation was set up before it was triggered, not after. That covered registration, remittance frequency and provincial filing. $23,500 of cash was released from the working capital cycle. The expansion completed with every registration and filing obligation covered from day one.
A remuneration review at a self-employed consultant in Moncton, New Brunswick saved $19,500 across the corporate and personal returns. It found a rental property reported without any capital cost allowance analysis.
Nothing was wrong at a self-employed consultant in Moncton, New Brunswick. The filings were on time and accurate. What they were not was planned. A rental property reported without any capital cost allowance analysis had never been reviewed. We reset the medical expense claim window, transferred credits between spouses, and applied the tuition and disability amounts to the return that used them. We ran the numbers across both the corporate and personal returns, so the saving was real rather than deferred into someone else's hands. $19,500 came off the combined corporate and personal tax bill, and the structure holds for future years without further work.
A gig-economy driver in Mississauga, Ontario was under review. The issue was years of small donation receipts claimed one at a time instead of pooled onto a single return. The file closed in 6 weeks with $95,000 of proposed tax cleared.
A gig-economy driver in Mississauga, Ontario was selected for review. Years of small donation receipts claimed one at a time instead of pooled onto a single return had shown up in the CRA's automated matching. The proposed adjustment on investment income tax return came to $95,000. We recalculated the instalments on the current year’s expected income rather than the prior year’s, which stopped the instalment interest from growing. Every figure in the response traced to a source record the auditor could verify without asking a second question. The review closed with no change. $95,000 of proposed tax came off the table, and the documentation now in place makes the next review a short one.
Meet the specialists behind your Investment Income Tax Return 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.
Investment Income Tax Return 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 investment income tax return 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.
In our files, this is the deciding factor: The late-filing penalty is 5% of the balance owing plus 1% for each full month late, to a maximum of twelve months. A second late filing within three years doubles both figures. The penalty is calculated on the balance owing, so a late return with nothing owing costs nothing — which is why filing on time matters even when you cannot pay. A tax preparation specialist applies it to your numbers before submission.
The honest answer comes down to one rule. T1 returns are due April 30, or June 15 for the self-employed. Any balance owing still accrues interest from April 30 regardless of which filing deadline applies. That is the part we verify before anything is filed.
The questions Canadians actually search on this topic, answered plainly. Browse every question in the Canadian tax answers directory.
Canadian income tax is built up in layers. You total your income for the year, subtract the deductions you qualify for to arrive at taxable income, then apply the federal brackets and your province's brackets to that figure. Each bracket rate applies only to the income sitting inside it, so earning more never retaxes the dollars below. Non-refundable credits, starting with the basic personal amount, come off the tax afterwards. Look up the CRA bracket table for the tax year you are filing.
Most people pay through online or telephone banking, adding the CRA as a payee and choosing the exact account and year, such as a personal balance owing or an instalment. The alternatives are CRA My Payment with a debit card, pre-authorised debit scheduled in My Account, a credit card or e-transfer through a third-party provider that charges its own fee, or paying at your bank with a remittance voucher. For the 2025 tax year the balance was due 30 April 2026.
Paper returns go to the CRA tax centre that serves your province or territory of residence, not to one national address. The correct address is printed in the paper return package and listed on canada.ca under mailing addresses for individual returns, and it differs for non-residents and for business returns. Filing electronically is much faster: for the 2025 tax year the CRA aims to issue a refund on an online return in about two weeks, against a considerably longer standard on paper.
Yes. Most people file electronically through NETFILE using CRA-certified software, which submits the return directly and confirms receipt immediately. Filing online is also what makes a fast refund possible: for 2025 returns filed in 2026 the CRA service standard is about two weeks online, against a considerably longer standard for a paper return, and registering direct deposit removes the cheque step. CRA online filing for 2025 returns opened 23 February 2026 and closes 29 January 2027.
Most tax saving comes from a short list of levers: contributing to an RRSP or a spousal RRSP, holding investments inside a TFSA, FHSA or RESP so growth is sheltered, claiming every deduction and credit you actually qualify for, and splitting income where the rules allow, such as pension income splitting. Business owners add expense timing and salary versus dividend planning. Order matters, so decide before year end rather than at filing time.
Medical costs give a non-refundable credit rather than a deduction. Eligible items include prescription drugs, dental work, eyeglasses and contact lenses, fees paid to medical practitioners authorised to practise, private health plan premiums, attendant care and travel for treatment unavailable locally. Over-the-counter products and most cosmetic procedures do not qualify. Only the portion above an income-based threshold counts, the claim period may end at any point in the tax year rather than following the calendar year, and pooling the family claim on one spouse usually helps.
For your own tax information, ask for a personal information request through the federal ATIP online portal, or submit the government's request form to the CRA's access to information office. Name the years and the type of record - notices of assessment, audit working papers, collections notes - because a narrow request is answered faster. Check CRA My Account first: slips, notices and account balances are already there at no cost.
Sign in to CRA My Account and check your account balance and your latest notice of assessment: they show tax owing, instalments credited and any refund due. Without online access, call the CRA's individual enquiries line, or ask for the balance in writing. Filing an outstanding return is often what triggers a refund, since credits and benefits are only calculated once the return is assessed.
HST is not a fee the business keeps. It is the harmonised sales tax, a combined federal and provincial sales tax the supplier collects on your behalf and remits to the CRA. On a bill it appears as a percentage of the pre-tax subtotal at the rate of the province of supply, 13% in Ontario. A registered supplier must show the tax, or state that it is included, and give their GST/HST registration number on request.
Property tax is municipal, so relief comes from two directions. Municipalities run their own programs, including vacancy and charity rebates and deferrals for low-income seniors or people with disabilities, applied for through the city or region. Provinces offer separate credits and grants, some delivered through your tax return and some by application, aimed mainly at seniors, renters and lower-income households. Eligibility and amounts change yearly, so check your municipality's tax page and your province's benefits page.
Multiply the hourly rate by your weekly hours, then by the paid weeks in the year: 52 where vacation is paid, fewer where it is not. Going the other way, divide the annual salary by 52 and then by weekly hours. Either way the answer is gross pay, before income tax, CPP and EI come off, so your deposits will be smaller. Overtime, bonuses, statutory holiday pay and unpaid leave all shift the real annual total.
Child care costs are a deduction, not a credit, so there is no fixed percentage refunded. The eligible amount comes off your income, and the saving equals your marginal tax rate on what you deduct, which is why it is worth more to a higher earner. Annual limits apply per child and are smaller for older children, and the claim generally has to go on the lower-income spouse's return. Keep receipts showing the provider's name and number.
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. CRA — Businesses · Income Tax Act (Justice Laws Website)
