2. Welcome Everyone!
Let’s introduce ourselves to each other!
• What is your name?
• What do you think of if you hear the word
“tax”?
• Tell us one thing you want to learn from this
workshop.
3. Content Objectives:
At this workshop, you will learn:
about the Canadian tax system;
about the process of filing a tax return;
and
how to ask for help or find more
information about income tax refund.
4. Vocabulary for Tax
• a refund
• to file a tax return
• CRA
• to levy tax
• taxable
• T4 or T4A
• slips
• tax revenue
• deductions
• tax credits
• 2014 tax year
5. Types of Taxes
Taxes you pay in Canada
• Sales Taxes
• Income Taxes
• Property Taxes
Provincial (PST) & Federal (GST)
Provincial & Federal
Municipal
6. Discussion
1. What kind of taxes do people pay in your
home country?
2. Who pays the taxes?
3. How do people pay taxes in your country?
What happens if they don’t pay taxes?
7. Why do we pay taxes in
Canada?
Federal Provincial Municipal
Clipart Source: https://openclipart.org
8. Types of Common Benefits
Source: http://www.cra-arc.gc.ca/tx/ndvdls/dctrs/lrn-tx/lrn-smpl-eng.html
Ottawa Photo by Justin Swan https://www.flickr.com/photos/118304891@N02/13700235425/ shared under CC-BY-SA
Social Services:
Old Age Security, Employment
Insurance, Canada Child Tax Benefit,
Universal Child Care Benefit, Working
Income Tax Benefit
Public Services:
roads, bridges, garbage
collection, recycling, snow
removal, parks, libraries and
playgrounds
Healthcare Services:
ambulance, healthcare, and
hospital
Educational Services:
schools, daycares, libraries
9. How much income tax do we pay?
• Taxable Income
=Total amount of income - deductible expenses
Examples:
• Employment
• Investments
• Rental property
• EI
• CPP
Examples:
• Childcare expenses
• Moving costs due to
job relocation
• Medical expenses
• RRSP Contribution
Source: http://www.wikihow.com/Calculate-Federal-Taxes-in-Canada
http://turbotax.intuit.ca/tax-resources/tax-deductions/personal-income-tax-deductions-in-canada.jsp
10. How much income tax do we
pay? (cont’d)
• Tax Bracket
Manitoba Income Tax Brackets & Rates
(2014 Tax Year)
Tax Brackets Income Tax Rates
Up to $31,000 10.80 %
$ 31,001 - $67,000 12.75 %
$ 67,001 – and Over 17.40 %
Source: http://www.tax-services.ca/manitoba-tax-brackets-mb-income-tax-rates/
11. How much income tax do we
pay? (cont’d)
• Tax Bracket
Federal Tax Brackets & Rates (2014 Tax Year)
Tax Brackets Income Tax Rates
Up to $43,953 15%
$ 43,954 – $87,907 22 %
$87,908 - $136,270 26 %
Over $136,270 29 %
Source: http://www.tax-services.ca/canadian-tax-brackets-2014-income-tax-rates/
12. How much income tax do we
pay? (cont’d)
• Tax Bracket
MB Tax combined with Federal Income Tax
(2014 Tax Year)
Taxable Income Income Tax Rates
Up to $43,561 26 %
$ 43,562 - $87,123 34 %
$ 87,124 - $135,054 43.40 %
$135,055 – and Over 46.40 %
Source: http://www.tax-services.ca/manitoba-tax-brackets-mb-income-tax-rates/
13. Filing a Tax Return
• Who needs to file a tax return?
“Anyone who has a residential tie to Canada
for tax and benefits purposes”
• Why?
Make an adjustment between the estimated
income tax that was already withdrawn from
your paycheque in the tax year and the total
amount of income tax you need to pay
14. Filing a Tax Return
• How?
Applying online Applying on paper Hiring an accountant
Baby photo http://www.publicdomainpictures.net/ Shared under CC
Paper work photo by Phil Parker: http://www.flickr.com/photos/45131642@N00/5508313347/ Shared under CC-BY
Cat photo by Found Animals Foundation https://www.flickr.com/photos/foundanimalsfoundation/8055190879/ Shared under CC-BY
15. Filing a Tax Return
• By When?
Midnight
April 30, 2015
Clock photo by Jonathan Bliss https://www.flickr.com/photos/jonathan_bliss/3402567108/ Shared under
CC-BY-SA
16. Filing a Tax Return
• How often?
Calendar Photo by Caillum Smith https://www.flickr.com/photos/woodypine/15175622674/ shared under CC-BY
Once a year
17. How to get a tax package
1. Download Online
Go to http://www.cra-arc.gc.ca/formspubs/t1gnrl/menu-eng.html and click
your own province.
2. Order Online
Go to http://www.cra-arc.gc.ca/cgi-bin/puborder.cgi?lang=en and fill out
necessary forms.
3. Order by Phone
Call 1-800-959-8281 (from Canada and the USA)
Call 1-613-940-8495 (from outside of Canada and the USA)
4. Pick up in Person
Search your nearest Service Canada office at
http://www.servicecanada.gc.ca/cgi-bin/sc-srch.cgi?app=hme&ln=eng
Source: http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/rtrn/gttng/menu-eng.html
18. Process of Filing a Tax Return
Online
Step 1: Get
prepared
• Collect necessary information and records such
as receipts and TF slips
• Set up an online account with RCA
Step 2: Submit
your information
• Get certified software
• Enter your information using the
software
Step 3: Send your
return and receive
a refund (or make
payments)
• Keep your CRA
confirmation number
• Set up your online
direct deposit
account
Source: http://www.cra-arc.gc.ca/gncy/t1gtrdy/menu-eng.html
19. Step 1: Getting prepared
• Things you need to collect:
T4 slips Receipts Copy of tax
return from
previous year
20. Step 1: Getting prepared
• Create your online account with the
CRA.
Go to http://www.cra-arc.gc.ca/esrvc-
srvce/tx/psssrvcs/gtnln/nfgrphc1-eng.pdf
• Check out the tax credits that you
might be entitled to.
21. Step 2: Submit your information
• Get a certified tax software for free.
http://www.cra-arc.gc.ca/esrvc-srvce/tx/ndvdls/netfile-
impotnet/crtfdsftwr/menu-eng.html
• Purchase a certified tax software
22. Step 3: Get refund or make
payment
• Keep your CRA confirmation number
• Set up your online direct deposit
account
23. How to set up direct deposit
1. Apply online
Set up your direct deposit through your RCA
account: http://www.cra-arc.gc.ca/esrvc-
srvce/tx/ndvdls/myccnt/menu-eng.html
2. By mail
Fill out an enrollment form at http://www.tpsgc-
pwgsc.gc.ca/recgen/dd/form/can-eng.html
3. By Phone
Call 1-800-959-8281
Source: http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/drct_dpst-eng.html
24. Things to keep in mind
• Tax situation varies person to person
• Look for tax credits you might be
eligible to
• Keep the CRA informed of your latest
contact information
25. Tax Credits:
• First-time donor’s super credit
• Children’s fitness tax credit
• Family caregiver tax credit
• Children’s art tax credit
Source: http://www.canada.ca/en/campaign/taxsavings/index.html
26. Tax Credits:
• First-time home buyers’ tax credit
• Pension income splitting
• Volunteer firefighter tax credit
Source: http://www.canada.ca/en/campaign/taxsavings/index.html
27. Tax Credits:
• Tradesperson’s tools deduction
• Family tax cut
• Universal child care benefit
Source: http://www.canada.ca/en/campaign/taxsavings/index.html
28. Listening:
• Videos: Tax savings working for you!
http://www.cra-arc.gc.ca/vdgllry/wtchds/menu-
eng.html?clp=wtchds/chldrnftnss14-eng&fmt=mp4
29. Listening: Children’s Fitness Tax
Credit
1. Up to how much tax credit can Susie’s parents receive?
2. How much do Susie’s parents need to spend to receive the full credit?
3. What can be included in the claim?
4. Up to what age are children eligible for this tax credit?
5. What else does Ella qualify for besides the children’s fitness tax credit?
6. What are the conditions of the programs that qualify for this tax
credit?
7. Do the parents need to include the receipts in their tax documents?
30. Children’s Fitness Tax Credit
1. Up to how much tax credit can Susie’s
parents receive for Susie?
2. How much do Susie’s parents need to
spend to receive the full credit?
3. What can be included in the claim?
A: $1,000 or more
A: registrations, membership fees
A: up to $150
31. Children’s Fitness Tax Credit
4. Up to what age are children eligible for this
tax credit?
5. What else does Ella qualify for besides the
children’s fitness tax credit?
A: They must be under 16 at the beginning of the year
A: Disability Tax Credit
32. Children’s Fitness Tax Credit
6. What are the conditions of the programs that
qualify for this tax credit?
7. Do the parents need to include the receipts in their
tax documents?
A: The programs have to last at least 5 consecutive days.
The programs must be supervised.
The programs must include physical activities.
A: No, they don’t. They just need to keep them in case
of an audit from CRA.
33. Learn more about each tax
credit
Go to http://www.cra-arc.gc.ca/vdgllry/menu-eng.html
1. Choose Ads and videos: Tax savings ...
working for you!
2. Choose Videos.
35. How to ask for help
• Tax Information Phone Services (TIPS)
Info-Tax (Press 1- 4 - 2)
1-800-267-6999
http://www.cra-arc.gc.ca/esrvc-srvce/tps/menu-eng.html
• Talking to an Agent
http://www.cra-arc.gc.ca/cntct/hdsk-nd-
eng.html
Phone clipart:
36. How to ask for help
• Community Volunteer Income Tax
Program (CVITP)
http://www.cra-arc.gc.ca/tx/ndvdls/vlntr/nd-eng.html
37. Follow-up Activity: How to ask
for help
Task: How to Get the Tax Information through
the TIPS
1. What do you want to know more about? Choose
the topic that is of interest from the Info-Tax list.
2. Call TIPS and listen to the automated Tax
Information.
3. Write down what you have learnt.
Source: http://www.cra-arc.gc.ca/esrvc-srvce/tps/menu-eng.html
38. Do you want to know more?
• Canada Revenue Agency - Resources for Newcomers
(There are accessible video resources available for
newcomers.)
http://www.cra-arc.gc.ca/newcomers/
• Learning more about the federal tax credits
http://www.canada.ca/en/campaign/taxsavings/index.html
• How to open an online account with CRA
http://www.cra-arc.gc.ca/esrvc-srvce/tx/psssrvcs/gtnln/nfgrphc1-eng.pdf
• Video recorded webinar for individuals and families
http://www.cra-arc.gc.ca/vdgllry/menu-eng.html
• Learning more about Taxes (There is a self-study course
available.)
http://www.cra-arc.gc.ca/tx/ndvdls/dctrs/lrn-tx/menu-eng.html
39. If you need help….
• Tax Information Phone Services (TIPS)
http://www.cra-arc.gc.ca/esrvc-srvce/tps/menu-eng.html
• Phone Inquiries
http://www.cra-arc.gc.ca/cntct/hdsk-nd-eng.html
• Community Volunteer Income Tax Program
(CVITP)
http://www.cra-arc.gc.ca/tx/ndvdls/vlntr/nd-eng.html
