For toolkit category
English
Introduction to asset building
Asset building for your future (fillable PDF)
Asset building for your future (print version)
My long-term goal action plan (fillable PDF)
My long-term goal action plan (print version)
Introduction to savings accounts
Registered savings accounts
Investing in registered accounts
Seven tips to help you stick to your goals
Glossary – asset building
Resources – asset building
Making it easier to save
Types of investments and types of accounts
Investing basics
How to manage financial stress and avoid burnout
Education savings
RESPs and how they can help
Before you open an RESP
Individual, family and group RESPs
Federal education grants and bonds
Provincial education grants and bonds
Family income to receive RESP government incentives
RESP sample scenarios
Plan for your RESP bank visit
My RESP action plan (fillable PDF)
My RESP action plan (print version)
Glossary – education savings
Resources – education savings
Employment and Social Development Canada (ESDC) resources for the Canada Learning Bond (CLB):
Canada Learning Bond Application for Adult Beneficiaries
Q&A about the Canada Learning Bond for adult beneficiaries
Revised income brackets for Canada Learning Bond (July 2022 to June 2023)
French
L‘accumulation d’actifs
L’accumulation d’actifs pour votre avenir – fillable
L’accumulation d’actifs pour votre avenir – nonfillable
Mon plan d’action axé sur mon objectif à long terme – fillable
Mon plan d’action axé sur mon objectif à long terme – nonfillable
Introduction aux comptes d’épargne
Comptes d’épargne enregistrés (REEI, REEE, REER et CELI)
Investir dans les comptes enregistrés :les options et les questions à poser à votre banque
Sept conseils pour vous aider à respecter vos objectifs
Glossaire – Accumulation d’actifs
Epargne-études
Les REEE : comment peuvent-ils vous aider?
Comment choisir entre unREEE individuel, familial et collectif
Les subventions et les bons d’études du gouvernement fédéral
Les subventions et les bons d’études du gouvernement provincial
Le REEE : comment peut-il vous aider à faire fructifier vos épargnes pour les études?
Arrivez préparé à votre rendez-vous à la banque pour ouvrir un REEE
Mon plan d’action en matière de REEE – fillable
Mon plan d’action en matière de REEE – nonfillable
English
Benefits 101
What are tax credits and benefits
Reasons to file a tax return
List of common benefits
Getting government payments by direct deposit
Common benefits and credits Benefits pathways (for practitioner reference only – some illustrations presented are Ontario benefits)
Pathways to accessing government benefits
Overview of tax benefits and other income supports (adults, children, seniors)
Overview of tax benefits and other income supports (people with disabilities or survivors)
Income support programs for immigrants and refugees
Glossary of terms – Benefits 101
Resources – Benefits 101
Key benefits you may be eligible for
Make sure you maximize the benefits you are entitled to if you are First Nations, Inuit, or Métis
Benefits of Filing a Tax Return: Infographic
Common benefits and credits
Resource links:
Benefits and credits for newcomers to Canada – Canada Revenue Agency
Benefit Finder – Government of Canada
Electronic Benefits and credits date reminders – Canada Revenue Agency (CRA)
Income Assistance Handbook – Government of Northwest Territories
What to do when you get money from the government – Financial Consumer Agency of Canada (FCAC)
Emergency benefits
General emergency government benefits information & navigation
Financial Relief Navigator tool (Prosper Canada)
Changes to taxes and benefits: CRA and COVID-19 – Government of Canada
Canada Emergency Response Benefit (CERB)
Apply for Canada Emergency Response Benefit (CERB) with CRA – Canada Revenue Agency (CRA)
Questions & Answers on CERB – Government of Canada
What is the CERB? – Prosper Canada
FAQ: Canada Emergency Response Benefit – Prosper Canada (updated June 10th)
CERB: What you need to know about cashing your cheque – FCAC
COVID-19 Benefits (summary, includes Ontario) – CLEO/Steps to Justice
COVID-19 Employment and Work – CLEO/Steps to Justice
GST/HST credit and Canada Child Benefit
COVID-19 – Increase to the GST/HST amount – Government of Canada
Canada Child Benefit Payment Increase – Government of Canada
Benefits payments for eligible Canadians to extend to Fall 2020 – Government of Canada
Support for students
Support for students and recent graduates – Government of Canada
Canada Emergency Student Benefit (CESB) – Government of Canada
Benefits and credits for families with children
Benefits and credits for families with children
Resource links:
Child and family benefits – Government of Canada
Child and family benefits calculator – Government of Canada
Benefits and credits for people with disabilities
Benefits and credits for people with disabilities
RDSP, grants and bonds
Resource links:
Canada Pension Plan disability benefit toolkit – Employment and Social Development Canada (ESDC)
Disability benefits – Government of Canada
Disability tax credit (DTC) – Canada Revenue Agency (CRA)
Free RDSP Calculator for Canadians – Plan Institute
Future Planning Tool – Plan Institute
Creating Financial Security: Financial Planning in Support of a Relative with a Disability (handbook) – Partners for Planning
Nurturing Supportive Relationships: The Foundation to a Secure Future (handbook) – Partners for Planning
RDSP – Plan Institute
Disability Tax Credit Tool – Disability Alliance BC
ODSP Appeal Handbook – CLEO
Disability Inclusion Analysis of Government of Canada’s Response to COVID-19 (report and fact sheets) – Live Work Well Research Centre
Demystifying the Disability Tax Credit – Canada Revenue Agency (CRA)
Benefits and credits for seniors
Benefits and credits for seniors
Resource links:
Canadian Retirement Income Calculator – Government of Canada
Comparing Retirement Savings Options – Financial Consumer Agency of Canada (FCAC)
Federal Provincial Territorial Ministers Responsible for Seniors Forum – Employment and Social Services Canada (ESDC)
Retiring on a low income – Open Policy Ontario
RRSP vs GIS Calculator – Daniela Baron
Sources of income for seniors handout – West Neighbourhood House
What every older Canadian should know about: Income and benefits from government programs – Employment and Social Services Canada (ESDC)
French
Comprendre les prestations
Que sont les crédits d’impôt et les prestations?
Pourquoi produire une déclaration de revenus?
Processus d’accès aux prestations (simple, complexe ou laborieux)
Aperçu des prestations et crédits d’impôt et des autres mesures d’aide au revenu
Aperçu des prestations et crédits d’impôt et des autres mesures d’aide au revenu : personnes handicapées ou survivants
Programmes d’aide au revenu pour immigrants et réfugiés – Admissibilité et processus de demande
Glossaire – Prestations et credits
Ressources : Prestations et credits
Principales mesures d’aide auxquelles vous pouvez être admissibles
Assurez-vous de maximiser les prestations auxquelles vous avez droit si vous êtes Autochtone,
Infographie sur les avantages de produire une déclaration de revenus
Prestations et crédits courants
Prestations et crédits pour familles avec enfants
Prestations et crédits pour personnes handicapées
Prestations et crédits pour les personnes âgées
Informations d’identification pour accéder aux prestations
Études de cas
English
Getting started
Budgeting
The five Ws and H of budgeting
How to make a budget step by step
Income tracking sheet – PDF
Income tracking sheet – fillable PDF
Expenses tracking sheet – PDF
Expenses tracking sheet – fillable PDF
Simple budget template- PDF
Simple budget template – fillable PDF
Five different budgeting methods
Cashflow budget template – PDF
Cashflow budget template – fillable PDF
Ten ways to trim expenses
Resources
Budgeting and saving resources (as a printable handout)
Online budgeting tools and calculators:
Budget planner – Financial Consumer Agency of Canada (FCAC)
Financial tools and calculators – Government of Canada
Get smarter about money: calculators & tools – Ontario Securities Commission (OSC)
My expenses calculator – Office of Consumer Affairs (OCA)
Tools to help when you can’t pay your bills – Consumer Financial Protection Bureau (CFPB)
Compound interest – Canadian Investment Regulatory Organization (CIRO)
Information on budgeting and saving:
An essential guide to building an emergency fund – Consumer Financial Protection Bureau (CFPB)
COVID-19: managing financial health during challenging times – Financial Consumer Agency of Canada (FCAC)
Get smarter about money: budgeting – Ontario Securities Commission (OSC)
Glossary of budgeting and saving terms – Prosper Canada
Managing your money – Financial Consumer Agency of Canada (FCAC)
My money in Canada – Prosper Canada
Setting up an emergency fund – Financial Consumer Agency of Canada (FCAC)
Preparing for financial emergencies – Ontario Securities Commission (OSC)
Planning for retirement – Ontario Securities Commission (OSC)
How to prepare for a financial emergency – Ontario Securities Commission (OSC)
Resources to help clients with money management:
Connecting families – Government of Canada
Managing your money booklet – Prosper Canada
Start small, save up – Consumer Financial Protection Bureau (CFPB)
Resources to help clients with budgeting at the grocery store:
Food sense, healthy cooking on a budget – Family Services of Greater Vancouver (FSGV)
Beating the grocery store blues – Family Services of Greater Vancouver (FSGV)
French
Matière de budget
Cinq questions à se poser en matière de budget
Comment faire un budget : un guide étape par étape
Fichier de suivi des revenus (PDF)
Fichier de suivi des revenus (PDF à remplir)
Fichier de suivi des dépenses (PDF)
Fichier de suivi des dépenses (PDF à remplir)
Modèle de budget simple (PDF)
Modèle de budget simple (PDF à remplir)
5 façons différentes de faire un budget
Budget de caisse (PDF)
Budget de caisse (PDF à remplir)
10 façons de réduire ses dépenses
English
Income Taxes - Frequently Asked Questions (FAQ)
Income Taxes – Frequently Asked Questions
What are the up sides of tax filing?
What are tax deductions, benefits, credits, exemptions, and brackets?
- Income tax101: What are tax deductions, benefits, credits, exemptions, and brackets? (Tax toolkit)
- Common tax deductions
What tax deductions, benefits, and credits am I eligible for?
One of the easiest ways to discover what benefits you are eligible for is the Benefits Wayfinder Compass and the Disability Benefits Compass.
Here is some additional reading on tax deductions, benefits, and credits:
- Tax credits and benefits for individuals
- Claiming deductions, credits and expenses
- Webinar – Every dollar counts – Get your benefits and credits! – Canada.ca
- Infographic – Benefit and credit payments
- Canadian Dental Care Plan
- Canada Workers Benefit (CWB)
What tax slips are used for different sources of income, and how do I read a tax slip?
What is a Notice of Assessment?
What is a Registered Retirement Savings Plan (RRSP) and how do I open one?
What are the steps to get ready for tax filing?
How can I get free help to file my taxes?
- Free tax clinics
- Canadians on low income may be eligible for SimpleFile by Phone.
How can I receive my benefits via direct deposit?
What do I do if my tax return is reviewed or audited?
Are there any other resources I can use to learn about tax filing in Canada?
- Resources about tax filing in Canada (Tax toolkit)
- Taking care of your tax and benefit affairs can pay off(tax filing info sheet) – Canada Revenue Agency (CRA)
- Taxology podcasts
Tax Filing and Specific Populations
Indigenous People
- Taxes and benefits for Indigenous peoples
- Make sure you maximize the benefits you are entitled to if you are First Nations, Inuit, or Métis
- Considerations for Indigenous people at tax time (Tax toolkit)
People with Disabilities
- Webinar: Benefits and credits for persons with disabilities and their caregivers
- Demystifying the Disability Tax Credit
- The Canada Disability Benefit
Students
- Video: International Students [rename as “Webinar: International Students”]
- Video: Students, it pays to do your taxes! [rename as “Webinar: Students, it pays to do your taxes”]
Tax Clinic Resources for Practitioners and Volunteers
The tax clinic resources below are from Prosper Canada and our community partner organizations. These are examples that may be adapted to your own community tax clinic needs. Whenever possible, we have credited the original author of each document and included contact information if you would like to find out more about using and adapting the resource.
Community tax clinic guides
- CVITP learning guide
- Getting started as a community tax clinic (Tax toolkit)
- Tax clinic staff and volunteer roles (Tax toolkit)
- Tax clinic preparation: Recommended timeline (Tax toolkit)
- Insights on planning free tax clinics in Indigenous communities: Infographic (Tax toolkit)
- Encouraging tax filing at virtual clinics(sample “active choice” email) – The Behavioural Insights Team
Resources to support tax clinic delivery and tax filing
- Simplified Intake Form 2019 (ACSA, Scarborough, ON)
- Tax Clinic Host Checklist(The Working Centre, Kitchener-Waterloo, ON)
- Income tax checklist for participants(The Working Centre, Kitchener-Waterloo, ON)
- Intake form for Couples(E4C, Edmonton, AB)
- Tax Prep Quick Reference Guide(E4C, Edmonton, AB)
- UFile Overview (Government of Canada)
- Supported tax filing toolkit
Other resources to support participants at tax time
- Income tax summary(The Working Centre, Kitchener-Waterloo, ON)
- Form for Missing Income Info for Revenue Canada(The Working Centre, Kitchener-Waterloo, ON)
- Forms for rental information(The Working Centre, Kitchener-Waterloo, ON)
- Referral to FEPS (The Working Centre, Kitchener-Waterloo, ON)
- Envelope checklist(E4C, Edmonton, AB)
- Seniors Info Sheet – Federal and provincial benefits(E4C, Edmonton, AB)
Resources to support tracking and evaluation
- Tax data entry sheet – Tax toolkit(Sunrise Community Centre, Calgary, AB)
- Anonymous tax tracking sheet(Aspire collective, Calgary, AB)
French
Ressources de déclaration de revenus 2024 - Agence du revenu du Canada
Ressources de déclaration de revenus 2023 - Agence du revenu du Canada
L’Agence du revenu du Canada lance la saison des impôts 2023
- Fiche descriptive: Étudiants
- Fiche descriptive: Les personnes handicapées
- Fiche descriptive: Les personnes à revenu modeste
- Fiche descriptive: Les personnes en situation de logement précaire
- Fiche descriptive: Les personnes âgées de 65 ans et plus
- Fiche descriptive: Les personnes autochtones
- Fiche descriptive : Déductions pour les habitants de régions éloignées
- Fiche descriptive : Personnes aux prises avec la violence fondée sur le sexe
- Fiche descriptive: Les nouveaux arrivants
Ressources
- Infographie – Prestations pour enfants
- Infographie – Prestations et crédits pour les nouveaux arrivants
- Feuille détachable : Inscrivez-vous à Mon dossier
- Feuille détachable : Produire votre déclaration de revenus
- Carte d’option de service
- Webinaire – Les personnes à revenu modeste
- Video: Persons with disabilities
- Webinaire – Les étudiants étrangers
- Webinaire – Avis aux étudiants : c’est payant de faire vos impôts!
Ressources de déclaration de revenus 2022 - Agence du revenu du Canada
Fiche descriptive : Étudiants
Fiche descriptive : Les personnes handicapées
Fiche descriptive : Les personnes à revenu modeste
Fiche descriptive : Les personnes en situation de logement précaire
Fiche descriptive : Les personnes âgées de 65 ans et plus
Fiche descriptive : Femmes dans les refuges
Fiche descriptive : Les personnes autochtones
Fiche descriptive : Les nouveaux arrivants
Prestation dentaire canadienne
Supplément unique à l’Allocation canadienne pour le logement
Faites faire vos impôts à un comptoir d’impôts gratuit
Allocation canadienne pour les travailleurs
Assurez-vous de maximiser les prestations auxquelles vous avez droit si vous êtes Autochtone, Inuit ou Métis
Ressources de déclaration de revenus 2021 - Agence du revenu du Canada
Nouvelles prestations canadiennes de la relance économique – À quoi s’attendre
Réponses à vos questions sur le remboursement de la Prestation canadienne d’urgence (PCU)
Recevez vos versements de prestations et de crédits! – Les les autochtones qui habitent au Canada
Prestations et crédits – Revenu modeste
Nouveaux arrivants, vous pourriez recevoir des prestations et des crédits!
Nouveaux arrivants, vous pourriez recevoir des prestations et des crédits! (Quebec)
Il y a des avantages à faire ses impôts! – Personnes agées
Mesures relatives à la COVID-19 à l’intention des personnes handicapées
Des prestations et des crédits pour vous! – Les personnes handicapées
Chaque dollar compte! – L’allocation canadienne pour les travailleurs (ACT)
Chaque dollar compte! Carte promotionnelle pour l’allocation canadienne pour les travailleurs (ACT)
Faites faire vos impôts gratuitement – Carte promotionnelle
Fondements de l’impôt sur le revenu
Pouruoi declarer? Les avantages de produire une declaration de revenus
Recevoir des paiements du gouvernement par dépôt direct
Que sont les déductions, les avantages fiscaux et les crédits d’impôt?
Considérations sur la période d’impôt pour lesautochtones qui habitent au Canada
Ressources pour en savoir plus
Comptoirs d’impôt bénévoles : Aidez les membres de votre communauté
Ressources
S’occuper de ses impôts et de ses prestations peut être payant – Agence du revenu du Canada
Service automatisé Déclarer simplement par téléphone (anciennement Produire ma déclaration)– Agence du revenu du Canada
Démystifier le crédit d’impôt pour personnes handicapées – Agence du revenu du Canada