What You Can Claim on Your Personal Tax Return

Filing your personal tax return can feel overwhelming, but knowing which deductions and credits you’re entitled to can make a big difference. By claiming the right amounts, you can reduce the taxes you owe—or even increase your refund.

Here’s a breakdown of the most common claims Canadians can make on their personal tax return.

Common Deductions You Can Claim

Deductions reduce your taxable income, which means you pay less tax overall. Some of the most common deductions include:

• Registered Retirement Savings Plan (RRSP) contributions – Reduce taxable income while saving for retirement.

• Childcare expenses – Claim eligible daycare, babysitting, or after-school program costs.

• Union and professional dues – Deduct membership fees related to your employment.

• Employment expenses – Certain employees may deduct home office expenses, supplies, or vehicle costs (with Form T2200).

• Moving expenses – If you moved at least 40 km closer to work or school, you may qualify.

Common Tax Credits You Can Claim

Credits directly reduce the amount of tax you pay. Some of the most common personal tax credits include:

• Basic personal amount – A non-refundable credit available to every Canadian taxpayer.

• Medical expenses – Claim eligible medical and dental costs for yourself, your spouse, or dependents.

• Tuition and education credits – Available for students paying eligible post-secondary tuition fees.

• Disability tax credit – Helps reduce taxes for people with disabilities or their supporting family members.

• Charitable donations – Claim donations to registered Canadian charities for valuable tax savings.

Tips for Maximizing Your Personal Tax Return

• Keep receipts and records – The CRA may ask for proof.

• Plan RRSP contributions – Time them before the deadline to maximize benefits.

• Check eligibility each year – Credits and deductions can change annually.

• Use professional help if needed – A tax expert can ensure you don’t miss valuable claims.

Final Thoughts

Filing your personal taxes doesn’t have to be stressful. By understanding what you can claim—whether deductions or credits—you can reduce your tax bill and keep more money in your pocket.

👉 At Tikitax, we help Canadians file accurately, maximize refunds, and stay fully compliant with CRA rules. Contact us today to make tax season stress-free.