--- title: "Personal Tax Accountant in London, Ontario (T1 from $125)" url: https://www.everstonecpa.com/personal-tax-accountant-london-ontario description: "T1 returns for London, Ontario owners, farm families, landlords and the self-employed, prepared by a CPA at a fixed fee. Get your return filed on time." type: service-in-a-city updated: 2026-10-02 summary: "Most London, Ontario residents file by April 30. If you or your spouse are self-employed the deadline is June 15, but any balance is still due April 30. EverStone prepares personal returns from $125 each, and self-employed returns with schedules commonly cost $275–$500 with the fee confirmed before work begins." faq_count: 9 publisher: EverStone CPA Inc., a Chartered Professional Accountant firm registered with CPA British Columbia and CPA Alberta service_area: British Columbia, Alberta, Ontario and Manitoba language: en-CA contact: info@everstonecpa.com · https://www.everstonecpa.com/book-online --- [Home](https://www.everstonecpa.com/) [Personal tax](https://www.everstonecpa.com/personal-taxes) London Personal tax (T1) · London, Ontario # Personal tax accountant in *London, Ontario* Around London, a personal return is rarely just a T4. It carries dividends from a family company, a trade run on the side, farm income from a few hundred acres outside Strathroy, or rent from a unit near campus. EverStone prepares T1 returns for [London owners and families](https://www.everstonecpa.com/accountant-london-ontario) remotely, from $125 for a simple return and at a fee fixed in writing. [Get My Fixed Quote](https://www.everstonecpa.com/book-online?service=personal#enquiry-form)[Ask a Free Question](https://www.everstonecpa.com/quick-question) **Quick answer:** Most London, Ontario residents file by April 30. If you or your spouse are self-employed the deadline is June 15, but any balance is still due April 30. EverStone prepares personal returns from $125 each, and self-employed returns with schedules commonly cost $275–$500 with the fee confirmed before work begins. ## When your income comes from your own company For an incorporated owner, the T1 completes a decision made on the corporate side. Salary appears on a T4, dividends on a T5, and the mix decides total tax and the RRSP and CPP room you build. Preparing the personal and [corporate returns](https://www.everstonecpa.com/corporate-tax-accountant-london-ontario) together settles the choice once, with both in view. Family members in the business and any shareholder loan balance belong in the same conversation. ## Ontario tax sits on top of the federal return The Ontario calculation is part of the T1, with no separate provincial return, but it is not a simple percentage. Ontario adds a surtax on the provincial tax itself, and the Ontario Health Premium is a separate line that rises with income. Both hit owners taking a large dividend in a good year harder than steady salary earners, so plan the year’s draws. A large one-off dividend for a truck or renovation can cost noticeably more than the same amount over two years; see that in December, not April. ## Self-employed: later to file, not later to pay A sole proprietor — a framer, an owner-operator leased to a carrier, a hairstylist renting a chair downtown — reports business income on form T2125 and has until June 15 to file. The balance is still due April 30, and interest runs from then. Once net tax owing passes $3,000 in the current year and in either of the two years before, the CRA expects quarterly instalments on March 15, June 15, September 15 and December 15. Keeping a [vehicle log](https://www.everstonecpa.com/mileage-and-vehicle-log) and receipts through the year makes the return faster and easier to defend. See the [self-employed tax return](https://www.everstonecpa.com/self-employed-tax-return) page for what goes on the schedules. ## Farm families and the capital gains exemption Farm income is reported on its own statement and can use the cash method. Two personal-tax rules matter more to Middlesex County farm families than any deduction: qualified farm property can be eligible for the lifetime capital gains exemption, and farmland can pass to a child under the intergenerational rollover. Both depend on how the land has been owned and used over years, so they are planned well before a sale or transfer. Where farming is not the family’s chief source of income, the restricted farm loss rules can limit how much of a loss offsets other income. See [farm accounting around London](https://www.everstonecpa.com/accountant-london-ontario). ## Landlords near campus and across the city London has a large rental market around the university and the colleges, and many owners hold a unit or two alongside their business. Rental income goes on its own schedule, repairs are separated from improvements, and capital cost allowance on the building is optional and cannot create a rental loss. Whatever is claimed can come back as recapture when the property sells, alongside the capital gain. See [rental income tax returns](https://www.everstonecpa.com/rental-income-tax-return). ## Students and new graduates With Western and Fanshawe in the city, a good share of London returns belong to students, and to parents asking what to do with a student’s slips. Tuition slips come from the school. The credit is used first against the student’s own tax. What is left can be transferred to a parent or grandparent within the annual limit, or carried forward indefinitely to a year when the student earns enough to use it. Filing every year, even on low income, keeps that carry-forward on record and can bring in benefit payments a student would otherwise miss. ## What is covered One fixed fee, agreed before any work starts: - The T1 with every slip the CRA holds for you, checked against what you send - Business, farm and rental schedules where they apply - Dividend and salary planning with your corporate return - Instalment amounts for the coming year - Replies to CRA review letters about the return we filed About this article **EverStone CPA** Prepared and reviewed by a CPA at EverStone CPA, serving businesses in BC, Alberta, Ontario and Manitoba. Updated September 2026 . [About the firm](https://www.everstonecpa.com/about) · [Send an enquiry](https://www.everstonecpa.com/book-online?service=personal#enquiry-form) ## Key personal tax dates Key personal tax dates The self-employed get longer to file, but not longer to pay — for a business operating in London, Ontario | What | When | | Filing — most individuals | April 30 | | Filing — self-employed and their spouses | June 15 | | Payment — everyone | April 30 | | Instalments, where required | March 15, June 15, September 15, December 15 | | Sales tax where you operate | 13% HST, a single registration and a single return | Source: [Personal tax deadlines in detail](https://www.everstonecpa.com/cra-tax-deadlines#personal-tax-t1). General information, not advice. In London, EverStone also works with [manufacturers](https://www.everstonecpa.com/manufacturer-accountant-london-ontario) and [restaurants](https://www.everstonecpa.com/accountant-london-ontario). Free tools for London businesses: [instalment calculator](https://www.everstonecpa.com/tax-instalment-calculator). ## Remote, and there is no London office EverStone is a fully virtual CPA firm, serving London, Ontario households and owners entirely online. **There is no London office and no local staff.** Slips download directly from the CRA once you authorize us, receipts and statements come through a secure upload link, and the return is signed electronically. You never need to book a drop-off. Common questions ## London personal tax FAQ **How much is a personal tax return in London?** From $125 for a straightforward T1. A self-employed return with business schedules is commonly $275–$500 depending on the schedules. The fee is confirmed in writing before any work starts. [Ask about your case →](https://www.everstonecpa.com/quick-question) **I drive long-haul as an employee. Can I claim meals?** Employed long-haul drivers can claim meal and lodging costs on trips that meet the CRA’s conditions, with a form signed by the employer and a logbook to support it. Owner-operators claim through their business instead. **Do I need to pay instalments?** If your net tax owing is more than $3,000 this year and was more than $3,000 in either of the two previous years, generally yes. The CRA sends reminders, and paying the amounts it suggests avoids instalment interest. **Can you file returns from previous years?** Yes. Late years are filed oldest first from the slips the CRA holds and your own records. Where penalties apply, we look at whether relief is available before anything is paid. **I disagree with my notice of assessment. What now?** A notice of objection has to be filed within 90 days of the date on the notice. Often a call or a letter with the missing document resolves it sooner, and we can review the assessment first. **We moved to London from another province. Which province do we file in?** The province you lived in on December 31. If you arrived in London in the autumn, the whole year is taxed as an Ontario resident, including the months you lived elsewhere, and the return is prepared on that basis. **Can you prepare my parents’ returns too?** Yes. Pension income splitting between spouses, medical expenses and the transfer of unused credits all work better when the family’s returns are prepared together, and each return still has its own fixed fee. **Do I have to meet in person?** No. London returns are prepared entirely remotely: slips come directly from the CRA, documents through a secure upload link, and the T183 authorization is signed electronically. **Do you work with businesses outside London itself?** Yes. Returns for people in St. Thomas, Strathroy, Woodstock and the rest of Middlesex County are prepared the same way as for London: documents come in through a secure upload link, and the fee is the same. ## Related services and local guides Nearby cities, the rest of what we do for London businesses, and the reference pages behind this one. [Personal services business risk assessment](https://www.everstonecpa.com/psb-risk-assessment) [Bookkeeping for London businesses](https://www.everstonecpa.com/bookkeeping-london-ontario) [Personal tax (T1) in Kitchener-Waterloo](https://www.everstonecpa.com/personal-tax-accountant-kitchener-waterloo) [Personal tax (T1) in Hamilton](https://www.everstonecpa.com/personal-tax-accountant-hamilton) [Payroll in London](https://www.everstonecpa.com/payroll-services-london-ontario) [Personal tax deadlines](https://www.everstonecpa.com/cra-tax-deadlines#personal-tax-t1) [Salary vs dividends calculator Compare the two ways to pay yourself](https://www.everstonecpa.com/salary-vs-dividends-calculator) [Accountants across Ontario](https://www.everstonecpa.com/accountant-ontario) [Ontario tax facts Current rates and thresholds for Ontario](https://www.everstonecpa.com/ontario-tax-facts) [Fixed pricing](https://www.everstonecpa.com/pricing) ### What clients say Rated 5.0 on Google across 26 client reviews. [Read all reviews](https://www.everstonecpa.com/reviews) ★★★★★ “…We switched to him last year for both our personal and small-business taxes — responsive, knowledgeable and quick.” Heather Powers Verified Google review ★★★★★ “Personal. Professional. Responsive. Plus he saved me a bundle!” Corrin Skalbeck Verified Google Local Guide ### Starting fees Every fee is fixed in writing before any work begins. - **Personal tax return (T1)** from $125; self-employed or rental $275–$500 *This page* - **Monthly bookkeeping, HST filing included** from $325 a month - **Payroll, remittances, T4s and ROEs** included in monthly bookkeeping - **Books, payroll and the year-end T2 together** $500–$700 a month - **Corporate year-end and T2 return** fixed fee, quoted in writing - **Catch-up bookkeeping** from $2,200 per year of records - **Controller or CFO support** controller from $1,650, CFO from $2,750 a month - **One-off advice call with a CPA** $225 plus applicable tax [Get My Fixed Quote](https://www.everstonecpa.com/book-online?service=personal#enquiry-form) --- Source: https://www.everstonecpa.com/personal-tax-accountant-london-ontario Prices: https://www.everstonecpa.com/pricing · Contact: info@everstonecpa.com · https://www.everstonecpa.com/book-online