CRA Refund Calculator
Find the money the CRA may owe you. Enter the deductions and credits you can claim - RRSP, donations, medical, tuition, child care, moving, work-from-home - and flag CPP/EI overpayment if you worked two or more jobs. Everything stays in your browser.
About you
Sets your marginal rate (~30%), which is what each deduction below is worth.
Deductions you can claim
Worth your marginal rate (~30%).
You're in the 30% bracket. Adding $7,625 to your RRSP empties it and refunds ~$2,261 at your top rate; dollars above that only refund at 24%.
Credits you can claim
Worth a fixed credit rate, not your full marginal rate.
The CRA may owe you about
$0
Estimated from what you entered. Enter the items that apply to see your total grow.
Add the deductions and credits that apply to you on the left. Most Canadians have at least RRSP contributions, donations, or medical expenses they can claim - and many who worked two jobs overpaid CPP/EI without knowing.
Also worth checking
Money the CRA pays out that isn't a simple deduction - some refundable, some retroactive.
Canada Workers Benefit
Refundable credit for lower-income workers - up to ~$1,500 (single) or ~$2,600 (family).
GST/HST credit
Quarterly tax-free payment. Automatic once you file - but you must file to get it.
Canada Training Credit
If you're 26-65 and paid tuition, you can claim up to your accumulated $250/yr balance.
Disability Tax Credit
If you or a dependant has a severe, prolonged impairment (Form T2201). Can be claimed retroactively up to 10 years.
Canada Caregiver Credit
If you support a spouse, child, or relative with a physical or mental impairment.
Educational estimate only, using CRA's published 2025 rates and maximums - it won't match your return to the dollar. Any NETFILE-certified software (Wealthsimple Tax, TurboTax Free, StudioTax, GenuTax) calculates the exact amounts when you enter your slips. CPP overpayment goes on line 44800, EI on line 45000. Always verify before filing.
Common questions
What is the difference between a tax deduction and a tax credit?
A deduction (like an RRSP contribution or union dues) comes off your taxable income, so it's worth your marginal tax rate - the higher your income, the more it saves. A non-refundable credit (like donations, medical, or tuition) is worth a fixed rate regardless of income, roughly 15% federally plus a provincial amount. This calculator values each correctly: deductions at your marginal rate, credits at the credit rate.
How do I know if I overpaid CPP or EI?
If you worked for two or more employers in the same calendar year, each one withholds CPP and EI up to the annual maximum as if it were your only job. Add up Box 16 (CPP) and Box 18 (EI) across every T4. If either total exceeds the year's maximum, the excess is refunded in full - on line 44800 for CPP and line 45000 for EI. NETFILE software calculates this automatically, but only if you enter every T4.
What tax deductions and credits do Canadians most often miss?
The most commonly missed ones are medical expenses (you can pool a family's expenses and claim any 12-month period), charitable donations (you can carry them forward up to five years), moving expenses when you relocated 40km closer to work or school, child-care expenses, the Canada Workers Benefit for lower-income workers, the Disability Tax Credit (claimable retroactively up to 10 years), and CPP/EI overpayment from multiple jobs.
Is this an exact refund amount?
No - it's an educational estimate using the CRA's published rates and maximums to show you roughly how much you may be leaving on the table. Your real refund depends on your full tax situation. Use a NETFILE-certified program (Wealthsimple Tax, TurboTax Free, StudioTax, GenuTax) to calculate the exact figures, and verify before filing.