How to File Your Taxes in Canada as a Newcomer: Step-by-Step Guide

Why Filing Taxes in Canada Matters

Filing your tax return in Canada isn't just a legal obligation — it's how you access most government benefits. The Canada Child Benefit, GST/HST credit, provincial benefits, and many others are triggered by your tax return. Even if you earned nothing, filing a $0 return is essential.

The deadline for most Canadians is April 30. Self-employed individuals have until June 15, but any taxes owed are due April 30.

Your First Year in Canada: Newcomer Rules

As a newcomer who arrived mid-year, you file as a Canadian resident for the period you lived in Canada. You only report income earned after your arrival date on your Canadian tax return. Report any foreign income too — there are usually treaty provisions to avoid double taxation.

What You'll Need to File

• Social Insurance Number (SIN)
• T4 slips from each employer (received by end of February)
• T5 slips if you earned investment income
• RRSP contribution receipts
• Receipts for deductions: medical expenses, childcare, moving expenses (if you moved to Canada for work)
• Your Notice of Assessment from last year (if you filed before)

Free Tax Filing Options

NETFILE-Certified Software (Free)

The CRA certifies free tax software that files electronically. Top free options:

• Wealthsimple Tax — completely free, recommended for newcomers
• TurboTax Free — free for simple returns
• UFile — free for students and simple returns

Community Volunteer Income Tax Program (CVITP)

If you earn under ~$35,000 (single) or $45,000 (family), the CRA's CVITP offers free in-person tax preparation by trained volunteers. Available at libraries, community centres, and settlement agencies.

Key Tax Credits for Newcomers

• Basic Personal Amount: Everyone gets a ~$15,000 tax-free amount
• GST/HST Credit: Quarterly payments for low-to-moderate income earners (auto-applied when you file)
• Canada Workers Benefit (CWB): Refundable credit for low-income workers
• Tuition Tax Credit: If you attended a Canadian post-secondary institution
• Medical Expense Tax Credit: For eligible medical costs over 3% of net income
• Moving Expenses: If you moved to Canada for work or school, you may deduct moving costs

Setting Up CRA My Account

Register for CRA My Account to track your return, view your TFSA/RRSP room, set up direct deposit for refunds, and manage all your tax affairs online.

Also see: All newcomer benefits in Canada