--- title: "Personal Tax Deadline 2026 (T1) | Canada | EverStone CPA" url: https://www.everstonecpa.com/personal-tax-deadline description: "When is the personal tax deadline in Canada? April 30 to file and pay, June 15 if self-employed. See what late filing costs and how to catch up." type: service-or-info updated: 2026-10-05 summary: "Your T1 personal return and any balance owing are due April 30 . If you or your spouse were self-employed during the year, you have until June 15 to file, but the balance is still due April 30. Filing late when you owe money costs 5% of the balance plus 1% per month, up to 12 months." faq_count: 8 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/) [Tax deadlines](https://www.everstonecpa.com/cra-tax-deadlines) Personal tax deadline T1 deadline · 2026 # Personal tax deadline *2026* The date most Canadians need, plus the one exception that trips up self-employed filers every year. Self-employed and behind? [The return is a fixed fee](https://www.everstonecpa.com/self-employed-tax-return), and the June filing date still carries interest from April. Next personal tax filing deadline **Quick answer:** Your T1 personal return and any [balance owing](https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/corporations/corporation-payments.html) are due **April 30**. If you or your spouse were self-employed during the year, you have until **June 15** to file, but the balance is still due April 30. Filing late when you owe money costs 5% of the balance plus 1% per month, up to 12 months. If you are self-employed the date is different, and so is the interest if you miss it. [Self-employed returns](https://www.everstonecpa.com/self-employed-tax-return), or [ask about your own situation](https://www.everstonecpa.com/quick-question). The self-employed extension moves the filing date, not the payment. ## The two dates, and why the gap matters Filing and paying are separate. The self-employed June 15 filing date does **not** extend the time to pay — interest runs from May 1 on anything unpaid, a common cause of CRA interest. When April 30 falls on a weekend or public holiday, the deadline moves to the next business day. The CRA treats a return as filed on time if it is received or postmarked by that date. ## What late filing actually costs Personal late-filing penalty, first time and repeat The late-filing penalty where you owe a balance. Interest runs on the unpaid amount in addition. | | First time | Repeat within three years | | Base penalty | 5% of the balance | 10% | | Each full month late | 1% | 2% | | Capped at | 12 months | 20 months | - **If you owe nothing**, there is no late-filing penalty. Filing late still delays benefits like the GST/HST credit and the Canada Child Benefit, which are calculated from your return. - **If you owe**, the penalty is **5% of the balance plus 1% for each full month late**, to a maximum of 12 months. - **Repeat late filing** within the previous three years can double that to 10% plus 2% per month, up to 20 months. - **Interest** is charged on both the unpaid tax and the penalty, compounded daily, and is not deductible. The practical rule: **file on time even when you cannot pay.** The penalty is avoidable; the interest is not. Then arrange payment. See [what the CRA will and will not do](https://www.everstonecpa.com/blog/cra-payment-arrangements-cant-pay-tax-canada). ## Instalments, if the CRA has asked for them If you owe more than a threshold amount of tax two years running, the CRA will ask you to pay by quarterly instalment on **March 15, June 15, September 15 and December 15**. Those dates are in our [subscribable calendar](https://www.everstonecpa.com/cra-tax-deadlines#ics). ## If you are behind by more than one year Several unfiled years is common and fixable. File oldest first so credits and carry-forwards flow through. For unreported income, the [Voluntary Disclosures Program](https://www.everstonecpa.com/blog/voluntary-disclosures-program-canada-fixing-past-returns) may give penalty relief if you come forward before the CRA contacts you. [We handle catch-up personal filings](https://www.everstonecpa.com/personal-taxes) at a fixed fee. Never miss it again Subscribe to our Canadian tax deadline calendar — the fixed CRA dates land in your calendar every year with a reminder a week ahead. [Add the deadline calendar](https://www.everstonecpa.com/cra-tax-deadlines#ics) General information current as of July 2026 , not advice for your situation. Dates that fall on a weekend or public holiday move to the next business day — always confirm the current year. Please [speak with a CPA](https://www.everstonecpa.com/book-online) about your circumstances. ## When is my personal return due? Enter the tax year and whether there was self-employment income. The date appears straight away. This calculator needs JavaScript. [See this year’s dates](https://www.everstonecpa.com/cra-tax-deadlines). Runs in your browser; nothing you enter is sent anywhere. General information, not advice for your situation. ## Add these deadlines to your calendar Subscribe once and the fixed CRA dates appear in your calendar every year, each with a reminder a week ahead. No signup, nothing tracked. [Subscribe (auto-updates)](webcal://www.everstonecpa.com/calendar/canadian-tax-deadlines.ics) [Download .ics](https://www.everstonecpa.com/calendar/canadian-tax-deadlines.ics) **How to add it — Google, Outlook, AppleGoogle Calendar:** Settings → *Add calendar* → *From URL* → paste https://www.everstonecpa.com/calendar/canadian-tax-deadlines.ics → *Add calendar*. **Outlook:** Calendar → *Add calendar* → *Subscribe from web* → paste the same URL → name it “Tax deadlines” → *Import*. **Apple Calendar:** File → *New Calendar Subscription* → paste the URL → set auto-refresh to weekly. On iPhone: Settings → Apps → Calendar → Accounts → Add Account → Other → Add Subscribed Calendar. Covers the fixed calendar dates only. Your corporate T2 and balance-due dates depend on your [fiscal year-end](https://www.everstonecpa.com/glossary#fiscal-year-end). Use the [work out your T2 filing date](https://www.everstonecpa.com/t2-deadline-calculator) for those. Common questions ## Personal tax deadline FAQ **When is the personal tax deadline in Canada?** April 30 for most people — that is the deadline both to file your T1 return and to pay any balance owing. If the date falls on a weekend or holiday it moves to the next business day. [Ask about your case →](https://www.everstonecpa.com/quick-question) **What is the deadline if I am self-employed?** June 15 to file, but any balance owing is still due April 30. Interest begins accruing May 1 on unpaid amounts even though your filing deadline is later. **What is the penalty for filing my taxes late?** If you owe money: 5% of the balance plus 1% for each full month the return is late, up to 12 months. Repeat late filing within three years can double it to 10% plus 2% per month, up to 20 months. If you owe nothing, there is no late-filing penalty. **What if I cannot pay what I owe?** File on time anyway — that avoids the late-filing penalty entirely. Then set up a payment arrangement with the CRA through My Account or the collections line. Interest continues, but an active arrangement generally holds collections action back. **What is the deadline if I owe tax but my spouse is self-employed?** When one spouse is [self-employed](https://www.everstonecpa.com/self-employed-tax-return), both get the later filing date, but payment is still due on the ordinary date. Any balance accrues interest meanwhile, so if you expect to owe, pay an estimate by the earlier date and file when ready. **Do I have to file if I had no income?** Not always, but filing is usually still right. A return keeps benefit and credit payments flowing, builds RRSP room and sets the record CRA works from. Skipped no-income years leave gaps to fill later, often just when you need a benefit or mortgage approval. **What happens if CRA reassesses my return after I file?** You receive a notice of reassessment explaining the change, with a limited window to object if you disagree. Many simply add a slip you missed, matched from data CRA holds. Respond within the deadline even if you agree; the objection window closes on its own schedule. --- Source: https://www.everstonecpa.com/personal-tax-deadline Prices: https://www.everstonecpa.com/pricing · Contact: info@everstonecpa.com · https://www.everstonecpa.com/book-online