Personal income tax

Filing a paper tax return

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You need to file your tax return every year with the Canada Revenue Agency (CRA) to receive the benefits and credits you may be entitled to, even if you don't have income to report. Paper returns are usually processed within 12 weeks.

On this page

Before you file

You should determine if you need to file your income tax return using a paper return.

Most people can complete their return using certified tax software and send electronically using the NETFILE service. If you cannot use NETFILE, you can print and mail your completed return.

If you are filing a paper tax return for someone else

If you are filing a return on behalf of another person, you must be an authorized representative to:

  • Speak with the CRA on their behalf
  • Act on their behalf for tax matters
  • Access their online tax information

For details: Representative authorization

Check your CRA information

Make sure your personal details are up to date before sending your return.

Change or confirm your:

  • Direct deposit information
  • Mailing address
  • Notification preferences (online mail or letter mail)

Find out your options to update your personal information with the CRA. Allow time for the CRA to process any updates before filing.

Steps to file a paper return

  1. Get your tax package

    Download and print the income tax package, or order an alternate format.

    Complete:

    • Federal Income Tax and Benefit Return
    • Form 428 for your province or territory (except Quebec)
    • Federal and provincial or territorial schedules that apply to you
  2. Complete your return

    1. Enter personal information

      Fill in your name, address, and Social Insurance Number (SIN) or other tax number.

    2. Report income

      Use your tax slips to report all income, including:

      • Employment and self-employment income
      • Foreign and investment income
      • Income from assets
      • Tips and other earnings

      Check if all information is included

      You should receive most tax slips by the end of February.

      If a tax slip is missing, contact the issuer of the slip for a copy.

    3. Claim deductions, credits, and expenses

      Claim eligible deductions, credits, and expenses to reduce the amount of tax you owe.

    4. Review your return

      Make sure all information is true, accurate, and complete.

      If needed, you can update some of your personal information on your tax return, including your:

      • Email address
      • Marital status
      • Language of correspondence

      If you are filing multiple returns

      Use a separate envelope for each person.

      If you are filing current-year and late returns together for one person, use one envelope.

      If you are transferring a refund to an instalment account

      Attach a note to your return to transfer your refund to your instalment account.

      For more information, refer to Required tax instalments for individuals.

  3. Send your return

    There are 2 options for sending the completed tax return to the CRA.

After you file

There are 3 possible outcomes from your tax return:

  • Get a refund
  • Have a balance owing
  • Have no refund or balance owing

The CRA will send you a notice of assessment (NOA) with the outcome of your tax return. Your NOA and any refund are usually processed within 12 weeks.

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2026-01-20