Practical tax guidance, clearly explained.
Local stories. Useful answers for your taxes, your work and everyday life.
All articles
132 articles · 20 / 22
Jobs & employment 2 min
Lucas keeps the tips that never reach his T4 in a notebook
Track direct tips, compare employer-reported amounts and avoid both missing income and counting the same tips twice.
Read the story
Saving & retirement 3 min
Nadia has an accepted offer. The FHSA withdrawal still needs a check.
Review the home purchase, timing, residency and issuer form before requesting a tax-free FHSA withdrawal.
Read the story
Saving & retirement 2 min
A better TFSA rate does not require a trip through chequing
Ask for a direct TFSA transfer when changing institutions so a withdrawal and redeposit do not accidentally use contribution room.
Read the story
Homes & rentals 2 min
Last month's rent is not a damage fund
Identify what a deposit is for, track its application and keep it separate from ordinary monthly rent in the ledger.
Read the guide
Jobs & employment 2 min
Two jobs, two paycheques, one tax return
Why two employers can each deduct tax correctly while your combined income still produces a balance owing.
Read the story
Filing & corrections 7 min
How to Change a Tax Return: T1 Adjustments and ReFILE
How to fix an assessed return with Change my return, ReFILE, or Form T1-ADJ, including the 10-year limit and current CRA timelines.
Read the guide