Personal Tax Season in Canada: Common Mistakes That Delay Refunds
Waiting on a tax refund? In Canada, delays are often caused by simple filing mistakes—like missing tax slips, outdated personal information, or overlooked credits. Learn the most common errors that slow down refunds and how proper preparation can help ensure a smooth, stress-free tax season.
For many Canadians, tax season means waiting—sometimes longer than expected—for a refund. In most cases, delays are caused not by complex tax situations, but by common filing mistakes that can easily be avoided with proper preparation.
One of the most frequent issues is missing or incomplete tax slips. Income slips such as T4s, T5s, RRSP contribution receipts, and tuition slips must all be reported, even if the amounts seem small. The CRA matches your return against the slips it receives directly from employers and financial institutions. If something is missing, your return may be reassessed or delayed. The CRA provides guidance on the different types of slips and how to access copies through your online account under its page on tax slips and information returns.
Another common reason for delays is outdated personal information. Changes to your address, marital status, or banking details should be updated before filing. Incorrect direct-deposit information can prevent refunds from being issued on time, while outdated addresses may cause you to miss important CRA correspondence. Taxpayers can review and update their details through the CRA’s guide on updating personal information.
Many taxpayers also miss out on legitimate savings by overlooking available deductions and credits. Medical expenses, charitable donations, tuition and student loan interest, and eligible home office expenses are frequently forgotten. The CRA maintains a comprehensive list of eligible deductions, credits, and expenses, which can help ensure nothing is missed.
For Quebec residents, filing errors are more common because two separate returns are required—one federal and one provincial. Differences between the CRA and Revenu Québec filings can lead to delays or review letters. Revenu Québec outlines its individual filing requirements on its income tax return page.
How A&S Financials Helps
A&S Financials reviews slips, confirms eligibility for credits, and ensures federal and Quebec filings are consistent. This proactive approach helps minimize delays, reassessments, and unnecessary stress during tax season.
Final Thought
A careful review before filing can make the difference between a smooth refund and weeks of waiting. Accuracy is the fastest path to peace of mind.