Our Tax Return Simulator estimates your CRA refund in minutes. Answer simple questions, get two scenarios, and discover credits you might be missing.
No signup required · Educational purposes only · Not tax advice
Three steps to your estimated refund. Takes about 3 minutes.
Select your profile — student, employee, self-employed, gig worker, newcomer, or retired. Pick your province.
Income, deductions, and expenses. We show only the fields relevant to your situation — no unnecessary questions.
Get two scenarios (optimistic and conservative), a breakdown of credits applied, and personalized tax-saving tips.
More than a calculator — a tax-awareness tool built for Canadians.
Optimistic applies every credit you may qualify for. Conservative only counts what’s confirmed. See the range before committing.
GST/HST credit, tuition carry-forward, Canada Child Benefit, provincial climate credits — we surface what you might be missing.
Up to 5 personalized tips based on your profile. RRSP optimization, medical expense pooling, WFH deductions, and more.
Your data is never shared with third parties. IP addresses are hashed. We comply with PIPEDA and Canadian privacy standards.
Federal and provincial brackets for BC, AB, ON, SK, MB, NB, NS, PE, NL, YT, NT, and NU. Quebec coming soon.
Like your estimate? Sign up free to connect with a qualified Canadian CPA who can review and maximize your actual return.
Select multiple profiles if they apply. The simulator adapts its questions to your situation.
Everything you need to know about TM Labs.
Yes, 100% free. No credit card, no signup required to run a simulation. We ask for your name and email before showing results so we can save your estimate and connect you with a CPA if you choose.
TM Labs uses 2025 CRA federal and provincial tax brackets, CPP/EI rates, and major non-refundable and refundable credits. It provides two scenarios — optimistic and conservative — to give you a realistic range. For a precise return, consult a qualified tax professional.
All Canadian provinces and territories except Quebec. Quebec has a separate provincial tax system (Revenu Québec) which requires different calculations. Quebec support is coming soon.
No. TM Labs is an educational simulator that estimates your refund. It does not file returns with the CRA. If you want to file, TaxMater can connect you with a qualified CPA through our platform.
The optimistic scenario applies all credits and deductions you may be eligible for, including refundable credits like the GST/HST credit and provincial benefits. The conservative scenario only applies credits that are confirmed based on the information you provided.
3 minutes. 100% free. No signup required.
Try the Simulator Free →Educational purposes only · Not tax advice · Consult a qualified tax professional