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CRA · Interactive checklist

Find your CRA numbers in 10 minutes.

The five CRA tasks every Canadian should complete at least once a year - exact click path, what to look for, and how to read what you find. Nothing leaves your browser; your progress is remembered locally so you can pause and come back.

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Estimated total time: 12 minutes. Your progress is saved locally - close this tab and come back anytime.

1. Log in to CRA My Account

~3 min · Todo

This is the only portal where you can see your ACTUAL TFSA/RRSP room, not an estimate. Every year you skip it, you're guessing.

Exact click path

  1. 1.Go to canada.ca/cra-my-account
  2. 2.Click 'CRA sign-in services' → 'CRA sign-in'
  3. 3.Use your banking partner (BMO, TD, RBC, Scotia, etc.) OR a GCKey - whichever is easier
  4. 4.If it's your first time, you'll need your most recent tax return handy and CRA will mail you a security code (arrives in 5-10 days)
  5. 5.Bookmark the landing page once you're in
What to look for: Four tiles: 'Accounts and payments', 'Tax returns', 'Benefits and credits', and 'RRSP and TFSA'. These are the four places you'll need.
Watch out: Never log in from a public computer or a link sent in an email. CRA NEVER sends sign-in links. Always type the URL yourself.
CRA My Account portal

2. Find your exact TFSA contribution room

~2 min · Todo

TFSA over-contribution costs 1% per month on the excess. Estimating your room is the #1 way Canadians accidentally get penalty letters.

Exact click path

  1. 1.From the My Account home page, click 'RRSP and TFSA' tile
  2. 2.Select 'Tax-Free Savings Account (TFSA)'
  3. 3.Look at the 'TFSA contribution room' number for the current year
  4. 4.IMPORTANT: this number is typically updated in February/March, so for the first few months of the year it may lag
  5. 5.Write down the exact number - you'll need it to know how much you can still contribute this year
What to look for: A line like 'TFSA contribution room on January 1, 2026: $X'. THAT is your authoritative number. Add any withdrawals from the PREVIOUS year and subtract contributions you've made THIS year since Jan 1.
Watch out: CRA's number does NOT reflect contributions or withdrawals made in the current calendar year that weren't reported yet. If you withdrew $5,000 in December 2024 and re-contributed $5,000 in January 2025, you're probably OK - but verify against your own record.

3. Find your exact RRSP contribution room

~2 min · Todo

The RRSP contribution room number on your Notice of Assessment is the single most valuable tax number in your life - it tells you how much tax-deductible savings you still have available.

Exact click path

  1. 1.Same 'RRSP and TFSA' tile
  2. 2.Select 'Registered Retirement Savings Plan (RRSP)'
  3. 3.Look for 'RRSP deduction limit for YYYY'
  4. 4.Note the 'Unused RRSP contributions' line too - that's money already in your RRSP that hasn't been deducted yet
  5. 5.The difference between your limit and what you've already claimed is your REMAINING room
What to look for: Two numbers: 'RRSP deduction limit' (max you can deduct this year, includes carried-forward room) and 'Available contribution room' (what's left after your year-to-date contributions).
Watch out: If you're in a defined-benefit pension plan, your room will be reduced by the 'Pension Adjustment' (PA) from your T4 Box 52. This is normal - DB pensions already shelter retirement savings, so CRA offsets your RRSP room accordingly.

4. Download your most recent Notice of Assessment

~2 min · Todo

Your NOA is the official record of what CRA received and what they calculated. Mortgage brokers, landlords, and benefit-verification programs often ask for it. Save a PDF copy every year.

Exact click path

  1. 1.From the My Account home, click 'Tax returns' tile
  2. 2.Select the most recent tax year
  3. 3.Click 'View return status' → 'Notice of Assessment' or 'Proof of Income'
  4. 4.Use your browser's print dialog → 'Save as PDF'
  5. 5.Store the PDF somewhere safe (password manager, encrypted drive, or just a well-backed-up folder)
What to look for: The NOA shows your total income, deductions, credits, tax owing/refund, and - critically - your CARRY-FORWARD amounts (unused RRSP room, unused capital losses, unused tuition). Those last three are the numbers you need every year.
Watch out: CRA only keeps NOAs online for the last 11 years. If you're applying for a mortgage or disputing an older assessment, you may need to request a paper copy - which takes 4-6 weeks. Download every NOA in the year you file.

5. Set up direct deposit for refunds + benefits

~3 min · Todo

Direct deposit means CRA refunds land in your account in 2 weeks instead of 6 weeks (paper cheque). GST credit, CCB, carbon rebate - all arrive on time, all year, without you thinking about it.

Exact click path

  1. 1.From My Account home, click 'Profile'
  2. 2.Select 'Direct deposit'
  3. 3.Enter your bank's transit number (5 digits), institution number (3 digits), and account number (7-12 digits)
  4. 4.Find these on a cheque, or in your bank's online banking under 'Account info' or 'Direct deposit form'
  5. 5.Confirm. Future refunds and benefit payments go directly to that account
What to look for: The 15-digit number from the bottom of a cheque: [transit 5][institution 3][account 7] - that's exactly what CRA asks for.
Watch out: If you change banks, update direct deposit BEFORE you close the old account. Refunds sent to a closed account bounce back and delay your money by 3-6 weeks.