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At Tax Filings Canada, we handle every part of your t1 adjustment request, 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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Tax Filings Canada provides cheap, fixed-fee t1 adjustment request across Canada: the T1 return with every slip — T4, T4A, T5, T3 — plus RRSP, FHSA and credit optimization, built for employees, self-employed Canadians and investors, with payment only after your work is complete.
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Behind the scenes, we assemble and double-check your t1 adjustment request filing.
Nothing is filed until you have seen it, understood it, and approved it.
We take care of the submission and send you confirmation for your records.
| 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 |
A T1 adjustment can reach back ten calendar years, and ReFILE handles most changes without a paper T1-ADJ. CRA interest on unpaid balances compounds daily at the prescribed rate plus 4%, which is why filing on time matters even when you cannot pay yet. Our t1 adjustment request engagement is priced as a cheap flat fee, so the cost is known before the work starts.
The pattern in t1 adjustment request files repeats often enough that a tax consultant can usually tell early on where a file will need work. What follows is that read, written down for T1 Adjustment Request.
The foundation is simple to state and easy to trip over: 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.
Once that is settled, the next question answers itself less often than clients expect. 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. One more, because it surfaces in reviews constantly: Medical expenses can be claimed for any twelve-month period ending in the tax year. Choosing the window deliberately often produces a larger credit than a calendar-year claim.
The practical upshot is simple: every one of these rules has a version that helps you and a version that costs you, and which one applies depends on choices made before filing. That is precisely the ground a tax consultant covers. Here is what to have on hand so the t1 adjustment request work starts moving on day one.
Our terms are the same for every engagement: a fixed fee agreed before work begins, a full review with you before filing, and payment only after the service is complete.
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Providing tailored t1 adjustment request services to ensure compliance and maximize deductions.
Our tax accountants keep your business compliant with federal and provincial tax rules.
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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 T1 Adjustment Request tax and accounting services have helped Canadian businesses save money and stay compliant.
33 months of records at an employee who moved provinces mid-year in Kitchener, Ontario had never been reconciled. That left a home sale never reported on the basis that the gain was exempt anyway. Rebuilding recovered $7,200.
Nothing reconciled at an employee who moved provinces mid-year in Kitchener, Ontario. Every filing started with 33 months of cleanup. The file was carrying a home sale never reported on the basis that the gain was exempt anyway. We rebuilt from source rather than correcting on top of the existing file. We pooled the carried-forward donation receipts onto the higher-income spouse’s return so the whole claim sat above the low-rate first tier. Then we set the routine that keeps it clean. 33 months reconciled to the bank. The close now takes 8 days, and $7,200 of previously unclaimable input tax was recovered in the process.
Collections had begun against a first-time home buyer in Kelowna, British Columbia over 3 years of unfiled returns. Bringing them current cut $140,000 from the balance.
By the time a first-time home buyer in Kelowna, British Columbia called, 3 years were outstanding. The CRA had assessed on estimates. Underneath it sat a rental property reported without any capital cost allowance analysis. We reconstructed the records year by year. 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. Each filing replaced an arbitrary assessment with a real one. The account is current. Filing on real numbers rather than CRA estimates reduced the balance by $140,000, and a relief application addressed part of the accumulated interest.
A taxpayer claiming a dependant's transferred disability amount in Mississauga, Ontario was scaling. The growth exposed employment expenses claimed with no signed T2200 from the employer to support them. The back office was rebuilt to match, freeing $121,000.
A taxpayer claiming a dependant's transferred disability amount in Mississauga, Ontario was opening in a second province. That meant different filing obligations and a different payroll regime. Employment expenses claimed with no signed T2200 from the employer to support them already sat in the file. We filed the outstanding T1135 disclosures under the voluntary disclosure route before the CRA raised them. 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. $121,000 of cash was released, and the monthly reporting now flags a problem while it is still small.
A recently separated taxpayer in Halifax, Nova Scotia was 7 weeks from a deadline. The file also carried foreign accounts that had crossed the T1135 threshold two years earlier. Filing complete and on time avoided roughly $32,500 in penalties.
A recently separated taxpayer in Halifax, Nova Scotia came to us 7 weeks before its filing deadline. The file came with foreign accounts that had crossed the T1135 threshold two years earlier. A late filing would have triggered a penalty of roughly $32,500 before interest. We worked backwards from the deadline. We carried the capital loss back against gains reported in the prior three years and generated a refund rather than a carry-forward balance. We prioritised the items that actually gated the filing and deferred everything that did not. The return was filed on time and complete. The $32,500 penalty never arose, and the compliance calendar we set means the next deadline is scheduled rather than discovered.
A taxpayer with US-source dividends in Red Deer, Alberta was carrying $84,000 of penalties and interest. The charges arose from medical expenses claimed on a calendar-year basis when a shifted window was worth far more. A relief application cancelled that amount.
An assessment of $84,000 landed at a taxpayer with US-source dividends in Red Deer, Alberta following a desk review. It turned on medical expenses claimed on a calendar-year basis when a shifted window was worth far more. The auditor had not seen the records behind it. 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 then set out the legislative basis for the position alongside the documents supporting it. $84,000 of penalties and interest was cancelled under the taxpayer relief provisions, and the underlying assessment was adjusted to match the filed position.
A two-income household with rental property in Guelph, Ontario was filing correctly and still overpaying. The reason was years of small donation receipts claimed one at a time instead of pooled onto a single return. Restructuring the position cut $11,500 from the annual bill.
A two-income household with rental property in Guelph, Ontario was compliant but paying more than it needed to. The prior year had been filed correctly. It still left years of small donation receipts claimed one at a time instead of pooled onto a single return on the table. We modelled the current position against the alternatives before changing anything. Then 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. The change saved $11,500 in the first year and repeats annually. Nothing about the filings became more aggressive. The position is simply the one the rules already allowed.
Meet the specialists behind your T1 Adjustment Request filings. Our Partners Are Alumni of the World's Top Accounting and Tax Institutions
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Canada Tax, International Tax, Cross Border Tax, Transfer Pricing
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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.
T1 Adjustment Request 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 t1 adjustment request 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.
An accountant answers this differently than a search engine, because the rule has edges. 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. Where your business sits relative to those edges is what we establish in the first meeting.
Let us give you the substance first and the caveats second. 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 caveat is simply that facts on your file can shift the outcome, so treat this as the baseline rather than the final word.
The questions Canadians actually search on this topic, answered plainly. Browse every question in the Canadian tax answers directory.
File a T1 return for the year, sending it electronically with CRA-certified software or mailing a paper return. Gather your slips and receipts first and check them against the ones listed in My Account. For the 2025 tax year the filing and payment deadline was 30 April 2026, or 15 June 2026 to file if you or your spouse were self-employed, with payment still due 30 April 2026. CRA online filing for 2025 returns closes 29 January 2027.
Online banking is the simplest route: add the CRA as a payee, select the account and tax year precisely, and pay from your chequing account. CRA My Payment takes debit card payments, and pre-authorised debit can be scheduled in My Account or My Business Account for a single amount or a run of instalments. Corporations and GST/HST registrants use the same channels under their business number. Keep the confirmation number and allow several days for the payment to post.
For the 2026 tax year, federal rates are 14% on the first $58,523 of taxable income, 20.5% from there to $117,045, 26% to $181,440, 29% to $258,482, and 33% above that. Each rate applies only to the income inside its own band, so moving into a higher bracket does not raise the tax on the income below it. Provincial or territorial tax is added on top.
Several NETFILE certified programs are free to use for straightforward returns, and the CRA publishes the certified list each filing season. If your income is modest and your return is simple, a free volunteer tax clinic can prepare and file it for you. Some people also receive a CRA invitation to file through a simplified phone or digital service. Free tools cover most employment and pension returns; self-employment, rental or foreign income usually needs more.
Start with total income from every source for the year, including employment, self-employment, investments and pensions. Subtract the deductions you qualify for, such as RRSP contributions, child care costs, union dues and deductible employment expenses, to reach net income. Take off any further deductions that apply at the next stage, losses carried forward among them, and what remains is taxable income, the figure the brackets are applied to. Credits reduce the tax calculated on that figure rather than the income itself.
Yes. Cash tips are taxable even though nothing is withheld and no slip is issued for them. Report them on your T1 as other employment income for the year received. Keep a daily log of the amounts, because during a review the CRA can estimate unreported tips from point-of-sale records and industry averages, then assess tax plus interest on the result. Controlled tips your employer collects and hands out are taxed through payroll instead.
There is no single figure, because your province and your credits change the result. On $43,000 of employment income for 2026, the federal rate on the lowest bracket is 14%, and the federal basic personal amount of $16,452 removes tax on the first part of your income. Provincial tax and CPP and EI deductions apply on top. Run your own numbers through the CRA's payroll deductions online calculator.
RM identifies the GST/HST program account inside a CRA business number. A business number is nine digits, then a two-letter program code and a four-digit reference, so 123456789 RM0001 is your first GST/HST account. Other codes cover payroll, corporate income tax and import-export. Use the RM account when filing or remitting a GST/HST return, and quote the full fifteen characters so the payment lands on the right account.
It is the GST/HST credit, a quarterly tax-free payment for people with modest incomes, which appears on statements under a label such as Canada GST/HST credit. You do not apply for it: the CRA works out entitlement from your filed return, so the return must be filed even with no income. The amount reflects family net income, marital status and the number of children. Payments stop when a return is missing.
Yes. The employer deducts income tax from severance and from a retiring allowance before paying you. Lump-sum withholding uses flat rates that are often lower than your marginal rate, so a large payout can still leave a balance owing when you file, especially if you also had regular employment income that year. CPP and EI are generally not deducted from a retiring allowance. Set money aside, or contribute to an RRSP if you have room.
Taxable value is the amount a tax is actually calculated on, after the exemptions and adjustments that apply to that particular tax. For property tax it is the assessed value your assessment authority sets. For sales tax it is the price charged for the supply, though Quebec applies QST of 9.975% to the pre-GST price. For income tax the equivalent is taxable income. Where a value has to be estimated, the usual standard is fair market value on the relevant date.
A bonus is employment income and is taxed at your marginal rate, the same as salary. Your employer withholds tax when it is paid, and that withholding can be more or less than the tax actually owing, so the difference settles on your return. The usual way to cut the tax legally is to have the bonus paid straight into your RRSP where you have room, which lets the employer reduce the withholding. Form T1213 can also lower withholding; the CRA takes several weeks to process one, so file it in the autumn before the year you want it to apply 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)
