Tax Returns for the Self-Employed
in Surrey, BC
Your T1 return when you work for yourself: business income and expenses, CPP, GST/HST and instalments, prepared by Roxana Moghadam and e-filed with the CRA.
Roxana Moghadam is a Certified Professional Bookkeeper (not a CPA).
Book a Free ConsultationPart of our tax preparation services in Surrey. Paid only through employment? See personal tax returns in Surrey.
Who This Is For
- Tradespeople and contractors
- Consultants and freelancers
- Real estate agents
- Rideshare and delivery drivers
- Self-employed people who are behind on filing, with prior-year returns prepared and filed
What Is Included
- Your business income and expenses reported on Form T2125, the CRA form for business or professional income (canada.ca: Form T2125)
- Eligible vehicle, home office and equipment expenses claimed
- Your net self-employment income worked out for CPP
- Your GST/HST return, if you are registered (see GST/HST filing in Surrey)
- CRA-authorized e-filing, and support if the CRA reviews your return
- Prior-year returns, if you have fallen behind
2027 Deadlines for the Self-Employed
These are the CRA dates for 2026 income, filed in 2027:
| What | Due |
|---|---|
| File your 2026 return (you or your spouse or common-law partner were self-employed) | June 15, 2027 |
| Pay any balance owing for 2026 | April 30, 2027 |
| Income tax instalments, if you are required to pay them | March 15, June 15, September 15 and December 15, 2027 |
| GST/HST annual filers with a December 31 year-end | Pay by April 30, 2027; file by June 15, 2027 |
The June 15 date is for filing only. Any balance owing is due April 30, and interest runs on what is unpaid after that. Sources: canada.ca: 2027 tax deadlines for businesses and the self-employed and canada.ca: preparing to do your taxes. Every other 2027 date is in our 2027 tax deadline guide.
Instalments
No employer withholds tax from self-employment income, so the CRA may ask you to pay during the year. You generally have to pay instalments when your net tax owing is more than $3,000 for the current year and was also more than $3,000 in either of the two previous years. The CRA sends instalment reminders in February and August (canada.ca: who has to pay instalments). If you get a reminder, bring it to your consultation.
CPP on Self-Employment Income
An employee's CPP is shared with the employer. When you are self-employed, you make the whole contribution yourself, based on your net business income after expenses (canada.ca: contributions to the Canada Pension Plan). That is one more reason every eligible business expense matters: it lowers the net income your CPP is worked out on.
GST/HST Registration
Once your taxable revenue is more than $30,000 in a single calendar quarter, or over four consecutive calendar quarters, you are no longer a small supplier and have to register for GST/HST. Below that, registration is optional (canada.ca: when to register for the GST/HST). In BC, registered businesses charge 5% GST. Registration, filing periods and catch-up are covered on our GST/HST filing page.
Records to Keep
- Business bank and credit card statements
- Sales invoices and records of money coming in
- Receipts and bills for business expenses, including vehicle costs
- Loan, lease and financing statements, if you have them
- Your GST/HST number and returns, if you are registered
- Last year's notice of assessment and any CRA instalment reminders
The CRA asks businesses to keep their records and supporting documents for six years after the last tax year they relate to (canada.ca: how long to keep your records). Clean monthly books make the return much quicker; see bookkeeping services in Surrey.
How to Get Started
Book a free consultation (the first 30 minutes are free) and send your documents securely online, or meet in person in Surrey (by appointment only) at 15428 112th Ave, Surrey, BC V3R 6H1. Personal returns start at $65; self-employed returns are quoted after a quick look at your documents, always before any work begins.
Frequently Asked Questions
When is the self-employed tax deadline in 2027?
If you or your spouse or common-law partner were self-employed in 2026, the return is due June 15, 2027. Any balance owing is still due April 30, 2027, and interest runs on unpaid amounts after that date.
Do I have to pay tax instalments?
Generally yes if your net tax owing is more than $3,000 this year and was also more than $3,000 in either of the two previous years. The 2027 instalment dates are March 15, June 15, September 15 and December 15.
Do I need to register for GST/HST?
You have to register once your taxable revenue is more than $30,000 in a single calendar quarter or over four consecutive calendar quarters. Below that, registration is optional.
How much does a self-employed tax return cost?
Personal returns start at $65. Self-employed returns are quoted after a quick look at your documents, always before any work begins.
Who prepares my return?
Roxana does, personally. Roxana Moghadam is a Certified Professional Bookkeeper (not a CPA). She is a CRA-authorized e-filer with over 30 years of experience.
Get Your Self-Employed Return Done Right
Book a free consultation, or send a message. We reply within one business day. You will know exactly what you owe, or what is coming back, before anything is filed.