Expert Tax Accountants in Yorkton

Property tax is billed by your municipality, not the CRA, so payment goes to the city or town that issued the bill. Most municipalities accept online or telephone banking once you add the property tax roll number as a payee, pre-authorised instalment plans, cheque, or payment at your bank. If your mortgage lender collects tax with your mortgage payment, the lender remits it for you. Condominium owners get their own bill, separate from monthly condo fees.

Yes, the CRA does telephone people, usually about a balance owing, a missing return, an audit or to verify information, and calls can come from many different numbers, so caller ID proves nothing either way. A real agent never demands payment by gift card, cryptocurrency or e-transfer, never threatens immediate arrest or deportation, and never asks for a password. If a call feels wrong, hang up, check your balance and mail in My Account, then call back using a number from canada.ca.

Multiply the assessed value of the property by the tax rate for its property class. Assessment is set by a provincial assessment authority on its own cycle and increases are often phased in, so the value lags the market. The rate is set each year by the municipality out of its budget, with an education portion added by the province. Both figures appear on your notice, which is why identical homes in different municipalities carry different bills.

Taxable income is what is left after you total the income the tax rules include and subtract the deductions you are allowed. Employment and self-employment earnings, most pensions, EI and CPP benefits, interest, dividends, rental profit, the taxable portion of capital gains, RRSP and RRIF withdrawals and most taxable benefits from work all go into the total. Tax is then calculated on that figure and reduced by non-refundable credits such as the basic personal amount.

Very few people are exempt outright. Most residents file and simply owe nothing because their credits cover the tax, starting with the federal basic personal amount of $16,452 for 2026. Registered charities and many non-profits are exempt on their income, and employment income earned on a reserve by a registered Indian can be exempt under separate rules. Non-residents are taxed only on Canadian-source income. Filing still pays, since benefit payments depend on a filed return.

Download them from the forms and publications section of canada.ca, where current and prior-year federal and provincial forms sit as printable PDFs. During filing season paper packages are also stocked at some Canada Post and Service Canada outlets, and the CRA will post a package if you order one by phone. Filing software completes the same forms behind the scenes, so most people never need the printed version at all.

The HST arrived in the late 1990s, when three Atlantic provinces agreed to merge their provincial sales tax with the federal GST into one harmonized tax collected federally. Ontario and others joined later, and British Columbia adopted it before reversing the decision by referendum and returning to PST. Current rates are 13% in Ontario, 15% in New Brunswick, Newfoundland and Labrador and Prince Edward Island, and 14% in Nova Scotia since 1 April 2025.

There is no set percentage. A refund is simply the difference between the tax withheld from your pay or paid in instalments and the tax your return actually calculates, so someone over-withheld with large RRSP contributions gets a lot back while someone with side income owes. Your notice of assessment shows the arithmetic. Online returns for the 2025 tax year are generally processed in about two weeks; a non-resident return can take up to sixteen.

Line 43700 is total income tax deducted, so you do not calculate it - you copy it. Add up the income tax withheld shown on every slip you received for the year: T4 employment slips, T4A, pension and benefit slips, T5 and other investment slips, and any tax withheld on a lump-sum payment. Enter the total, keep the slips, and check CRA My Account if one is missing.

Two steps, and each takes its own time. The CRA first has to approve the disability certification, which can involve going back to the medical practitioner for more detail. Only then are the earlier years covered by that certification reassessed, and any refund follows those reassessments rather than the approval letter. Ask for the prior years to be adjusted when you apply, so it is not handled as a separate request afterwards.

Saskatchewan residents pay federal income tax plus Saskatchewan provincial income tax, filed together on one T1 return, with the provincial share set by its own brackets and credits. Purchases carry federal GST plus the Saskatchewan provincial sales tax, applied separately rather than blended into a harmonised rate, and businesses register for and remit each one separately. Property tax and education levies are billed municipally. Confirm current rates against the latest provincial budget before quoting them.

Canada has no joint return, so your husband cannot claim you as a dependant the way US filers do. He can claim the spouse or common-law partner amount if your net income is low enough, and unused credits such as the age, disability, tuition and pension amounts can sometimes be transferred to him. Medical expenses and donations can also be pooled on one return. Both of you still file your own T1, reporting each other's net income.