# Personal Income Tax > Income tax return preparation in Hamilton for individuals, self-employed people, landlords, investors, seniors and students, including previous-year returns. Canonical: https://etax.canadianwebmaster.ca/services/personal-income-tax Last updated: 2026-11-10 Personal, self-employed, rental, investment, senior, student and previous-year tax return preparation for individuals and families in Hamilton and the GTA. ## At a glance - **Personal and family returns**: T1 returns for employees, couples and families. - **Self-employed and rental**: Business, professional and rental income reported with their expenses. - **Investments, seniors, students**: Investment slips, pension income, tuition amounts and more. - **Previous-year returns**: Returns for years that were missed, prepared one year at a time. No two **income tax** returns in Hamilton look quite the same. A salaried employee with one T4 has a short return; a retired couple with pensions and investments, or a sole proprietor who also rents out a basement unit, has a longer one. Infoetax prepares personal, self-employed, rental, investment, senior, student and previous-year tax returns from our office at 537 Queenston Rd. What follows is a plain outline of each kind of return, the dates the CRA sets, and what happens with returns for years that were missed. It is general information only. Your own return depends on your circumstances, and those are what we talk through with you. ## The returns we prepare ### Personal returns Most people file a T1 return that reports employment income from T4 slips, plus any other income for the year, and claims the deductions and credits that apply to them. In a family, the returns of spouses or common-law partners can affect each other for some credits and benefits, so it often helps to look at them side by side. ### Self-employed returns Sole proprietors and partners who earn business or professional income report it on Form T2125, Statement of Business or Professional Activities, which lists the income and expenses of the business for the year. Records kept through the year feed straight into this form, and our [bookkeeping service](https://etax.canadianwebmaster.ca/services/bookkeeping-accounting) can keep them current month by month. If the business is registered for HST, [HST reporting](https://etax.canadianwebmaster.ca/services/hst-reporting) runs alongside the income tax return. ### Rental income Rent from a property you own, including a unit in your own home, is reported on Form T776, Statement of Real Estate Rentals, along with the expenses of earning it. Whether a cost is a current expense or a capital cost can be a detailed question, so it helps to bring the year’s rent records, receipts and mortgage interest statements. ### Investment income Interest, dividends and capital gains or losses usually arrive on slips such as the T3 and T5, or on year-end statements from a brokerage. We bring those together on the return, along with what you originally paid for anything you sold during the year. ### Seniors Returns for seniors often include Old Age Security and Canada Pension Plan benefits, reported on T4A(OAS) and T4A(P) slips, along with workplace pensions, RRIF withdrawals and investment income. The information on a filed return is also used to work out certain income-tested benefits and credits, which is one reason annual filing matters even with little tax owing. ### Students Students often have modest income but still have reasons to file. Eligible tuition is shown on a T2202 slip from the school, and under the CRA’s rules unused tuition amounts can generally be carried forward to later years. ## Due dates For most individuals, the CRA’s deadline to file a 2025 return is **April 30, 2026**. If you or your spouse or common-law partner were self-employed, the filing deadline moves to **June 15, 2026**, but any balance owing is still due by **April 30, 2026**. The CRA charges compound daily interest on unpaid amounts starting the day after the due date. The CRA’s page of [important dates for individuals](https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/important-dates-individuals.html) lists them each year. ## Previous-year returns Missing a year, or several, happens more often than people think. A return can still be filed for an earlier year, and filing is how the account with the CRA is brought back up to date. Under the CRA’s rules, a late-filing penalty applies when a return is filed after the due date and tax is owed, and interest can apply to unpaid balances; the CRA’s page on the [late-filing penalty](https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/interest-penalties/late-filing-penalty.html) sets out how it is calculated. Each situation is different. We start by working out which years are outstanding, then gather the slips and records for each one and prepare the returns in turn. Old slips can often be found through the CRA’s My Account service. ## Before your appointment Our guide on [what to bring for your tax return](https://etax.canadianwebmaster.ca/guides/what-to-bring-for-your-tax-return) lists the usual slips, receipts and documents. If the CRA later asks questions about a return, read [what to do if CRA reviews your return](https://etax.canadianwebmaster.ca/guides/what-to-do-if-cra-reviews-your-return) and see our [CRA audit assistance](https://etax.canadianwebmaster.ca/services/cra-audit-assistance) service. Incorporated business owners will also want the [corporate tax returns](https://etax.canadianwebmaster.ca/services/corporate-tax-returns) page. ## Reaching us Our phone number is 905-393-7664, answered Monday to Friday from 10:00 AM to 5:00 PM. You can also write to ravi@infoetax.ca with the tax years involved and the kinds of income you had, or use the [contact page](https://etax.canadianwebmaster.ca/contact). We work with individuals and families across [Hamilton](https://etax.canadianwebmaster.ca/areas/hamilton) and the GTA. ## Questions people ask ### When is the personal tax deadline? For 2025 returns, most individuals file by April 30, 2026. If you or your spouse or common-law partner were self-employed, the filing deadline is June 15, 2026, but any balance owing is due by April 30, 2026. ### Can you prepare returns for years I missed? Yes, previous-year returns are part of this service. We look at which years are outstanding and prepare each one with the slips and records for that year. ### Is there a penalty for filing late? The CRA’s late-filing penalty applies when a return is filed after the due date and tax is owed, and interest can apply to unpaid balances. The CRA’s interest and penalties pages explain the details for each year. ### Do you prepare returns for self-employed people and landlords? Yes. Self-employed and rental returns are both part of our personal income tax service, along with investment, senior and student returns. ### What should I bring? Your slips, receipts and any CRA notices for the year are the usual start. Our guide on what to bring for your tax return has a fuller list. ## Related - [What to Bring for Your Tax Return: A Document Checklist](https://etax.canadianwebmaster.ca/guides/what-to-bring-for-your-tax-return) - [What to Do If the CRA Reviews Your Tax Return](https://etax.canadianwebmaster.ca/guides/what-to-do-if-cra-reviews-your-return) - [Bookkeeping & Accounting](https://etax.canadianwebmaster.ca/services/bookkeeping-accounting) - [Tax and Accounting Services in Hamilton](https://etax.canadianwebmaster.ca/areas/hamilton)