Life-stage guides
Tax Guides for Every Stage of Life
Your tax situation changes as your life does. Whether you just started your first job, got married, had a baby, or are planning retirement, the tax rules look different at every milestone. Here's what to know at each stage.
First Job
T4 boxes, TD1 forms, RRSP room, TFSA, and what to expect from your first tax return.
Read guideGoing Self-Employed
GST/HST registration, quarterly instalments, T2125, CPP contributions, and incorporation.
Read guideGetting Married
How marriage and common-law status changes your credits, benefits, and RRSP options.
Read guideNew Baby
Canada Child Benefit, EI parental leave, child care deductions, and starting an RESP.
Read guideBuying Your First Home
FHSA, Home Buyers' Plan, first-time buyer credits, and GST/HST new housing rebates.
Read guideSelling Your Home
Principal Residence Exemption, the flipping rule, and what you must report to CRA.
Read guideSeparation & Divorce
Spousal support deductions, child support rules, RRSP rollovers, and updating your benefits.
Read guideRetirement
RRSP to RRIF conversion, CPP timing, OAS clawback, pension splitting, and TFSA strategy.
Read guideDeath & Estate
Terminal return, deemed disposition, RRSP/RRIF on death, probate fees, and clearance certificates.
Read guideNot sure where to start?
Use our tax calculators to estimate your situation, or browse the full guides library for deeper topics like audits and voluntary disclosure.