Questions, answered properly

Toronto Tax Boutique is a CPA-led Canadian tax firm that prepares and e-files personal, self-employed and corporate tax returns online for clients in all ten provinces. Founded in Toronto by immigrants, it has filed 50,000+ returns since 2018, usually within 1-2 business days, and works in English, Hindi and Punjabi.

Yes, and with us the whole process is online. You send your slips from your phone or laptop, a CPA-led team prepares and reviews the return, you approve the figures, and we e-file it to the CRA through EFILE. There is no appointment and nothing to print or mail, and it works the same from any province.

Our office is at 18 King Street in Toronto, but we operate entirely online and do not take in-person appointments. You send documents securely from your phone or laptop, and we handle the rest - no commuting, no waiting room, no printing. For most people that is the difference between a half-day and ten minutes.

Yes. We file in all ten provinces, and our client base is spread fairly evenly across the country. Each of our tax experts specialises in specific provinces, so you are matched with someone who knows your province's credits and rules - whether that is Ontario, British Columbia, Alberta, Quebec or anywhere else.

Fill in our get-started form, or message us on WhatsApp at 647-250-8592. We reply with a checklist built for your specific situation, you send your documents back, and we take it from there.

One to two business days from the point we have all your documents. We would rather be accurate than fast, but in practice being organised makes us both.

English, Hindi and Punjabi. Tax is complicated enough without doing it in your second language.

Yes, year-round. We do not file your return and disappear. We make sure the refund actually reaches your bank account, we answer CRA letters that arrive months later, and we are available for questions whenever they come up.

E-transfer is our preferred method - quick, secure and free. We also accept credit cards through Stripe if that suits you better.

We publish our prices, which almost nobody in this industry does. We have filed for over 50,000 clients. You get a dedicated expert rather than whoever is free, and that expert is reachable all year. And our founders came here as immigrants themselves, so the credits newcomers typically miss are the ones we look for first.

For the 2025 tax year, most individuals must file and pay any balance owing by April 30, 2026. If the date falls on a weekend or holiday, the CRA accepts it on the next business day. Benefit payments are calculated from your return, so filing on time matters even when you owe nothing.

Self-employed individuals, and their spouses or common-law partners, have until June 15, 2026 to file their 2025 return. Any balance owing is still due by April 30, 2026, and interest runs from that date, so the extra time is for paperwork, not payment.

The late-filing penalty is 5% of the balance owing, plus 1% for each full month late, up to 12 months. A second late filing within three years doubles that to 10% plus 2% a month, up to 20 months. It only applies when you owe tax. If you are due a refund there is no penalty, but your benefit payments stop until the return is filed.

Yes. The CRA accepts late returns for any year, and the sooner you file the less penalty and interest builds up on a balance owing. We regularly file several overdue years together and get suspended benefits restored.

A student return is $88 and a T4 employee return is $109 ($109 and $139 in Quebec), plus 13% HST. That covers unlimited T4 and T5 slips, tuition, provincial benefits, donations and up to two dependants. Self-employment income adds a published surcharge based on your income bracket, and everything else - rental property, capital gains, CCB applications - is listed line by line on our pricing page.

No. Every fee we charge is published on the pricing page before you contact us. Where a service is quoted as a range, it is because complexity genuinely varies - and we confirm the exact figure with you before starting work, not after.

Yes - delivery and taxi drivers get 10% off our fees.

Each year is priced as its own return at the published rate, so five student years is five times $88 plus HST. No project fees, no hourly surprises.

Usually about two weeks after filing, depending on CRA processing. That stretches considerably during the March - April peak, which is the main argument for filing early: the same return submitted in February can arrive twice as fast as one submitted in mid-April.

For many, yes. Lower-income earners including newcomers qualify for the Canada Groceries and Essentials Benefit (formerly the GST/HST credit), provincial credits such as Ontario's Trillium Benefit and, with children, the Canada Child Benefit. Together these commonly add up to roughly $2,000 - but only if a return has been filed.

Tuition generates a non-refundable credit worth 14.5% federally for 2025, plus a provincial credit in some provinces, which reduces tax you owe. If tax was withheld from your pay, claiming it produces an actual refund. If you had no income, the credit carries forward indefinitely to a year when you do - so nothing is wasted either way.

Yes, including first-time applications for a newborn. We send a detailed checklist so it is filed accurately and on time, which matters because errors here cause months of delay. A first-time CCB application is $119 on our rate card.

Yes. Anyone who arrives on or before December 31 files for that year - even if you arrived on December 30 and earned nothing. Your tax residency begins the day you arrive. Filing is both a legal obligation and the thing that unlocks newcomer benefits worth up to about $2,000.

Canada has no joint return, so you each file your own. But the two returns must be prepared together, because benefits like the CCB and the groceries and essentials benefit are calculated on combined family income, and credits such as tuition and medical expenses need to be allocated to whichever of you can use them. Preparing them separately is how couples overpay.

Yes. The CRA needs your non-resident spouse's income to assess your benefits correctly. If they have little or no income, you may qualify for the spousal amount credit - which usually works in your favour.

Yes, from day one, regardless of income. Ridesharing is excluded from the $30,000 small supplier threshold that covers most other businesses. Registering also lets you claim back HST on fuel, repairs, maintenance and phone bills, which frequently exceeds what you owe. Delivery-only couriers follow the normal $30,000 threshold.

Yes, and it is usually less painful than people fear. The late-filing penalty applies to a balance owing, so if you are due refunds there is nothing to penalise. What the delay did cost you is benefit payments, which stop until you are current. We file all the outstanding years together and get those restored.

Yes - Uber drivers, IT consultants, freelancers, realtors and incorporated small businesses. We prepare the T2125 or the T2, claim the expenses your trade actually generates, and get the CPP and HST treatment right.

We send a checklist tailored to your situation. Generally: T4 slips, T2202 for students, rent receipts, investment slips (T5, T3, T5008), medical and childcare receipts, RRSP contribution slips, employment expense records, and self-employment income and expenses where they apply. If you are unsure about something, send it - we would rather see too much than too little.