Taxes & Benefits

Your First Tax Return — And Why It Might Pay You

The word "taxes" sounds like something that takes money from you. For most newcomers and students, filing your first return actually puts money back — and it's simpler than you fear.

Apr 30Filing deadline
$0Cost to file (free tools)
RefundLikely if income is low
Important — not tax adviceThis is a general orientation for newcomers, not personalised tax advice. First-year residency and foreign-income rules can be specific to your situation — use guided software or a free tax clinic, and confirm details with the Canada Revenue Agency (CRA).

Why filing is worth it — even on low income

Here's the part most newcomers don't realise: in Canada, you don't only file taxes because you owe money. You file to claim what's owed to you. Filing a return — even with little or no income — is how you unlock the GST/HST credit, provincial credits, and tuition amounts you can carry forward. Skip it, and you simply leave that money with the government.

For a student or new worker with modest first-year income, that often means a refund or benefit payments, not a bill. The system can feel intimidating from the outside, but the actual filing — with the right tool — takes most people under an hour.

The one date to remember

File by April 30 for the previous year. Filing on time keeps your benefit and credit payments flowing without interruption — and avoids interest if you do happen to owe.

What you'll need

How to actually file — your options

From "do it yourself in 30 minutes" to "let a volunteer help me." All can be free.

TurboTaxMost Hand-Holding

A well-known paid option with strong guidance and support tiers if you want extra reassurance on a trickier return.

  • Polished, guided experience
  • Free tier for simple returns
  • Paid tiers add expert help
  • Costs more than free tools for added features
Visit TurboTax
Free Tax ClinicIn-Person Help

If your income is modest and your taxes are simple, CRA-supported volunteer clinics (CVITP) will file for you, free.

  • Real human help, no cost
  • Great for first-timers
  • Run on campuses & community centres
  • Eligibility limits & seasonal availability
Find a Clinic

Frequently Asked Questions

Honest answers for your first Canadian return.

Do international students need to file?

If you're a resident for tax purposes — which most students living and studying here are — you generally should file, even with little income. It's how you claim the GST/HST credit and tuition amounts that put money back in your pocket.

What's the deadline?

For most people, April 30 for the previous tax year. Filing on time keeps benefit and credit payments flowing and avoids interest if you owe.

Is Wealthsimple Tax really free?

Yes — it's pay-what-you-want and NETFILE-certified, so you can file for free with an optional tip. It's popular with newcomers and students for being simple and beginner-friendly.

Can I get money back on low income?

Yes — often because income is low. Filing unlocks the GST/HST credit, provincial credits, and tuition amounts to carry forward. Don't file, don't receive them.

Do I report foreign income?

It depends on your residency status and when you became a resident for tax purposes — your first-year return has special rules. When unsure, use guided software or a free clinic and confirm with the CRA.

File it — and claim what's yours

Most newcomers finish in under an hour with a free tool, and many get money back. Set up a bank account for your refund first.

Website by Infinfy Solutions