Canada · 10-year CRA lookback
Canada gives you 10 years to fix a personal tax return.
Most people never look.
We check every year you can still reach and show you what you may have missed — each with the Canada Revenue Agency (CRA) source behind it.
Free to check · $15 per tax year reviewed · never a % of your refund
Every finding traces to a CRA or Income Tax Act source.
A worked example
ExampleSomeone in ON earning $75,000 paid ~$13,644 in tax, at a 30% marginal rate.
People at a similar marginal rate typically find $300–$900 through Registered Retirement Savings Plan (RRSP) room, Tax-Free Savings Account (TFSA) shelter, and family or disability credits.
A typical range for this bracket, not a personal calculation. Your real number comes from the 3-minute analysis.
Why this money goes unclaimed
- 65%
- of Canadians don’t know they can go back and claim missed credits from up to 10 years ago
- $212M
- in Canada Workers Benefit went unclaimed in a single year
- $1.4B+
- is sitting in uncashed Canada Revenue Agency (CRA) cheques
- 2.7M
- self-employed Canadians — the group most likely to miss deductions
H&R Block–commissioned national survey
Government of Canada
Canada Revenue Agency
Statistics Canada
Figures describe the Canadian market, not your personal result.
How it works
Three steps, about three minutes.
Tell us about your situation
Province, age, family, employment, income, business, investments. Tap-to-answer questions — no documents needed to start.
We run the Canadian rule set, year by year
Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), First Home Savings Account (FHSA), spousal and pension splitting, the Canada Child Benefit (CCB), the Disability Tax Credit, provincial credits, and a full incorporated-owner module — each checked against the rules that applied in that specific tax year.
See what you may have missed, and exactly how to claim it
Your estimate and your single biggest strategy are free. The full report gives every finding a dollar estimate, the CRA rule behind it, and the steps to file the change.
Questions people ask first
Does it cost anything?
Your assessment and your single biggest strategy are free. The full report — every strategy's step-by-step plan — is a one-time $15 per tax year reviewed, plus sales tax. That's an introductory price. Each report covers one tax year, so reviewing several years is one report each; there's no multi-year bundle yet. If a report finds less than $150, that report is free. No subscription, and never a percentage of your refund.
How far back can I actually go?
For a personal return (a T1 — your annual personal income tax return), 10 calendar years — that's Income Tax Act (ITA) s.152(4.2) and s.164(1.5)(a). The window rolls forward every January 1, so a request made this year reaches back ten years and the oldest year is then gone for good. Corporations are different and get no 10-year window: a T2 (the corporate tax return) is limited to the normal reassessment period, generally three years for a Canadian-controlled private corporation (CCPC) or four otherwise, running from the original notice of assessment.
Is this a replacement for my accountant?
No. This tool surfaces potential opportunities based on the answers you give us. It's educational, not a formal tax opinion. We help you take findings to a licensed tax professional who can confirm them and amend or refile if appropriate.
Which taxes do you cover?
Canada only — federal plus provincial/territorial rules. Our engine evaluates RRSP/TFSA/FHSA, income and pension splitting, family benefits, the Disability Tax Credit, rental and investment items, and a full incorporated owner-operator module.
What happens after I get my report?
You can optionally upload prior-year documents (T1, T2125 self-employment statement, Notice of Assessment, slips, receipts) and, with your explicit consent, request a professional review. During this pilot, a partner Canadian tax professional reviews cases by hand and can verify and act on the opportunities.
How do you make money — is there a cut of my refund?
Two ways, both flat and fully disclosed: a one-time $15 per tax year reviewed (plus applicable sales tax) to unlock your full written report, and — if you choose to work with an accountant we connect you with — that accountant pays us a flat referral fee, with your consent. We never take a percentage of your refund, and you're never charged a contingency cut. That's a deliberate difference from %-of-refund recovery firms.
How is my data kept safe?
Your answers and any documents are stored in a secure database hosted in Canada, protected by row-level security so only you can access your data. You can request deletion of your documents or your account at any time, and we complete deletion requests within 30 days.
Want the longer version? How the 10-year rule works, and which years are still open · Commonly missed Canadian credits
Find out what your past returns missed.
Answer a few questions and see your estimated opportunity in minutes. Free account, free estimate, and your biggest strategy free with it.
Flat fee paid to the accountant — never a percentage of your refund.