Tax Optimization

Personalized tips to reduce your taxes and maximize benefits.

Example: $80,000, OntarioThese are not your numbers. Enter your income above to see yours.

Less tax

$3,115

per year

Never more than the tax you pay.

Deductions

If you have RRSP room, contributions reduce your taxable income at your marginal rate.

+$3,115/yr

Savings

Tax-free growth on investments. $7,000 contribution room for 2026.

Deductions

Dental, prescriptions, therapy and travel for medical care are claimable above 3% of net income or $2,890, whichever is less.

Deductions

Donations over $200 earn a 29% federal credit (33% if your income is over $258,482). The provincial credit stacks on top.

Capital

Your effective rate varies significantly between provinces. Alberta has no health premium and lower rates.

Deductions

Missing a deadline costs penalties + interest. RRSP within 60 days of year-end, filing by April 30, instalments quarterly.

Benefits

Canada Groceries and Essentials Benefit and provincial benefits: many Canadians miss payments they qualify for.

Deductions

If your employer requires you to work from home, claim actual expenses with a signed T2200 from your employer.

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General suggestions only. Consult a qualified tax professional before making financial decisions.