How to File Your Taxes Online in Canada

DesiraeLessons Learned, Resources, Tools8 Comments

How to file your Canadian taxes online.

I distinctly remember the first time I had to file my taxes online by myself.

I’d been graduated from university for almost a year at that point, and was working full-time. My mom, who rightly saw that I was (almost) a fully-functioning adult, was like, “Here are all your tax documents, and also my accountant isn’t going to file your taxes for you this year.”

Say. What.

I went straight to Google, since that’s how I make all of my important life choices (literally, it’s how I chose my robo-advisor and everything) and typed in “how do I file my taxes online in Canada”.

Out of all of the results, I picked one called SimpleTax, because it seemed like a reassuring name for a tax company.

You’re going to make this simple for me? Cool, I’m in, let’s do this thing.

So we did that thing.

And I had such a great, simple, easy experience that I’ve been filing my taxes with them ever since. Bonus: all of those past returns are literally at my fingertips thanks to their account history. I can download them anytime, which is so much easier than unearthing my tax shoebox.

Which no, I don’t recommend as a filing system.

To pay the easy-tax-filing forward, I’ve got everything you’ll need to know to file your taxes online in Canada right here. Because dear every millennial who’s currently freaking out about filing their taxes for the first time: it’s not that hard, I promise.

Step One: Recognize that you actually have pretty simple taxes

If you’re a millennial (like me!) and have a full-time job (like me!) and your financial life isn’t incredibly complicated?

Your taxes are going to be so easy.

Trust me on this, if you’re not full-time self-employed, if you don’t have a bonkers amount of taxable investment income, and if you have no dependents? You have all of the skills and knowledge you need to manage to file your own taxes.

Step Two: Find all of your documents.

Now, take this advice with a grain of salt, because I am the human who gets 80% through filing her taxes and is like “Shit, I totally don’t have ___________.”

There’s always something.

However, if you want to be extra-prepared, and knock out your taxes as fast as you can, you’ll want to get all of your key documents together ahead of time. Since I’m not a tax expert, I’ll leave making those lists to the tax pros, and you can consult this excellent PDF from Simpletax that lists everything you could possibly need to file your taxes.

And again, if your tax situation is pretty straightforward, you won’t even need half of those.

Step Three: Actually file your taxes online.

If you’ve ever seen a tax form, you know that – try as they might – they’re not especially intuitive or simple to use. That’s where Simpletax really shines. The interface is basically what you’d expect of a slick startup, except for taxes.

They walk you through everything, and all you need to do to find the forms you need to fill out? Search for them.

Here's how to file your taxes online in Canada, using a super-simple tool.

Seriously, this little search box is the tax assistant you’ve always wanted. From T5s to public transit to reporting your side hustle income, Simpletax has got you covered.

I walked through how you can file a simple, So-Millennial tax return in under ten minutes in this video, and literally three minutes of that is me being a goof on camera. If you think I’m exaggerating, or you want to see exactly how to file your T4, your charitable donations, your public transit receipts and your RRSP contributions, check it out.


PS. Yup, I totally wear glasses. Not a prop. (Lol can you imagine how awkward I would be with props though.)

Step Four: Sign up for MyAccount on the CRA website.

If you’re going for the extra credit, and you want to make life easier for future-you, signing up for MyAccount with the CRA is an amazing idea. It lets you do stuff like get your tax return direct-deposited into your bank account, and find important details about your taxes online for the next time you file.

Since I feel like everyone who reads this is all about the online tools, you should all probably go sign up ASAP. I mean, what else do we pay taxes for if not excellent online government services, right?

And I guess the in-person stuff is nice too. Love ya, healthcare.

Step Five: Pour yourself a drink, ’cause you’re done.

What?! Yeah. That’s literally it.

I remember the first time I managed to file my taxes by myself, and I’m not joking when I say I ran into my roommate’s room and made him high-five me. It’s one of those things that feels intimidating before you do it, but once you dive in, you realize it’s well within your skill level to file a tax return – which in turn makes you feel like a total money champion.

These days, and yes this is the nerdiest thing I’ve ever said, doing my taxes is actually something I look forward to every year. It’s a great way to take a look back on your money from the past year, and it’s basically just a puzzle with numbers. Who doesn’t love puzzles, right?

All of those warm, puzzle-loving feelings are channeled into my Simpletax account every year, so if you’re staring down tax season without an easy way to file? I got you fam. Well, Simpletax has got you, anyways, so what are you waiting for?

Get those taxes started!

Actual PS. This post was written in partnership with Simpletax, but all opinions are my own – as are the past four years of tax returns I’ve filed with them!

8 Comments on “How to File Your Taxes Online in Canada”

  1. Erin

    I love this! I was back to being a full year resident last year and used SimpleTax. It was great! I loved that it is connected with CRA. It made everything that much easier!

    1. Desirae

      Yayayayay! Isn’t it amazing? (And like, I’m dying that you’re such a Real Tax Professional and also use it, lol. I feel like I just got extra tax points for using the same software as you do!)

  2. Casey

    My dad buys software that can file up to 5 returns so i always just bring my stuff to his house to file. I have a file folder i drop all my tax stuff into throughout the year so I just bring that.

    EVERY YEAR I am missing or forget something!!

    I also like filing my taxes! RRSP contributions mean i get a nice return 🙂

    1. Desirae

      Right?! Love those RRSP refunds. I’m tackling all the different ways people can use the refund to max out their tax-season happiness, depending on their preferences, next week! (Mine is pitiful this year because I claimed so much freelance income, but like, can’t complain, lol. I basically gave myself an advance on my return.)

  3. Finance For Geek

    As you said realizing taxes aren’t complicated is definitely the first step! I’ve heard so many times people who just did not want to do their taxes by themselves because they pictured it like *a one-month stuck-in-the-basement work*, which it is not of course 🙂

    1. Desirae

      Totally! Like yes, it requires a bit of reading, especially if you’ve never looked at it before, but it’s SO much more accessible than a lot of people think it is.

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