One can file your 2025 income taxes electronically via NETFILE starting February 23, 2026. Key deadlines are April 30, 2026 for most individuals, June 15, 2026 for self-employed filers, with all payments due April 30. The RRSP contribution deadline is March 2, 2026.
The 2026 Tax Filing Calendar (for 2025 Taxes)
Filing your 2025 T1 income tax return in 2026 follows a structured schedule defined by the CRA. Below is the official 2026 CRA Personal Income Tax Filing Calendar:
Mini-summary for quick reference:
- Prepare now: Gather slips, set up direct deposit, check CRA account.
- File early: NETFILE opens Feb 23 for faster refunds.
- Avoid penalties: Pay any tax owing by Apr 30.
- RRSP contributions: March 2 is the last day to maximize deductions.
2026 Filing Season = Filing Your 2025 Income Tax Return (T1)
All references to “2026 taxes” relate to the 2025 tax year. Whether you file electronically or on paper, these deadlines are anchored to the CRA’s T1 Personal Income Tax and Benefit Return schedule.
What Is the First Day I Can File Online?
NETFILE Open Date
- Date: February 23, 2026
- Meaning: The CRA will begin accepting electronically submitted T1 returns.
- Who It Applies To: Individuals filing their own taxes via NETFILE-compatible software.
NETFILE vs EFILE vs SimpleFile
- NETFILE: Electronic filing by the individual using certified software.
- EFILE: Used by authorized tax preparers to submit client returns.
- SimpleFile: CRA’s simplified online service for select low-income or invited individuals.
Deadlines: Employees vs Self-Employed
Filing Deadline for Most Individuals
- April 30, 2026
- Covers employees, retirees, and those not self-employed.
Self-Employed Filing Deadline
- June 15, 2026 for self-employed individuals and their spouse/common-law partner.
- Important: Payment of any tax owing is still due April 30, even if filing later.
Payment Deadline
- April 30, 2026 applies to all filers to avoid interest and penalties.
Paper Filing in 2026: What Changed + When You Can Get Forms
2025 Tax Package Availability
- Available: January 20, 2026
- Tip: If you try before this date, CRA will only provide the 2024 package.
Processing Times: Paper vs Electronic
- Electronic (NETFILE): Refunds typically within 8 business days with direct deposit.
- Paper: Up to 8 weeks to process and receive your refund.
How Early Should You File?
If You Expect a Refund
- File early via NETFILE to receive refunds faster via direct deposit.
If You Might Owe Taxes
- Don’t wait too long. Prepare to pay by April 30 to avoid interest.
What to Do Before NETFILE Opens (Checklist)
- Gather slips: T4, T4A, RRSP receipts, and other income documentation.
- Confirm CRA account info: Ensure direct deposit is up to date.
- Get NETFILE access code: Found on your CRA notice or My Account.
- Book tax prep early: For Ontario residents, secure your spot with a local preparer.
We help Ontario filers in Kitchener, Cambridge, and Waterloo complete their personal tax returns efficiently and accurately. Book a consultation here.
Do I Need to File If I Had Low or No Income?
Yes. Filing is required to:
- Maintain eligibility for GST/HST credits
- Ensure Canada Child Benefit payments continue uninterrupted
- Claim RRSP contribution room and other benefits
Even if you owe nothing, filing every year avoids disruption of government benefits.
Need Help Filing in Ontario?
If you’re in Kitchener, Cambridge, or Waterloo, our team provides personal tax return filing services to help you meet all CRA deadlines, avoid penalties, and maximize refunds.
- Accurate T1 return preparation
- NETFILE-ready submissions
- Assistance with missing slips or CRA notices
Book Your Ontario Tax Filing Consultation Today
FAQ Section
Can I file in January 2026?
- You can prepare your return but CRA accepts submissions only from Feb 23, 2026.
How long does a refund take if I file early?
- NETFILE + direct deposit: ~8 business days
- Paper filing: Up to 8 weeks
What if I’m missing a slip?
- Contact your employer or financial institution. You can file using CRA’s “request missing slips” procedure or file later with an adjustment.
Where do I get my NETFILE access code?
- Available in your CRA My Account or on your prior year notice of assessment (NOA).
What if I’m self-employed and can’t file by June 15?
- File as soon as possible. Payment is still due April 30 to avoid interest.
Do I need to file if I made no income?
- Yes. Filing ensures benefit continuity and eligibility for credits.
