Every Canadian who files an income tax return must decide how they want to complete their return. While professional tax services and accountants are an option, many individuals prefer to file their taxes independently using software solutions. Fortunately, the Canada Revenue Agency (CRA) has approved several free tax software programs under its NETFILE system. These tools allow eligible taxpayers to file their personal returns quickly, accurately, and securely.
What Is NETFILE?
NETFILE is the CRA’s secure online system that allows individuals to file their tax returns directly over the internet using CRA-certified software. NETFILE is fast, easy to use, and typically results in faster processing and refunds—often within eight business days if using direct deposit.
To ensure compatibility and security, the CRA certifies software each year to meet its electronic filing requirements. Some of this certified software is available free of charge to Canadians with simple or low-income tax situations.
Benefits of Using Free CRA-Approved Tax Software
- Cost-effective: Free to use for eligible taxpayers
- Accurate: Built-in error checks and CRA-certified calculations
- Fast: NETFILE-compatible submissions processed quickly
- User-friendly: Guided steps, pop-up help, and auto-fill features
- Safe: Encryption protocols to protect your data
Free tax software is particularly beneficial for students, seniors, low-income individuals, and those with simple tax returns (such as T4 income only).
Top Free CRA-Approved Tax Software for 2025
1. Wealthsimple Tax (Formerly SimpleTax)
Platform: Web-based
Cost: Pay-what-you-want model (can use for free)
Features:
- Clean and intuitive interface
- Supports most tax situations including self-employment, capital gains, and RRSPs
- Auto-fill with CRA MyAccount
- Option to contribute to registered accounts directly within the platform
Wealthsimple Tax is ideal for both beginners and advanced filers.
2. TurboTax Free
Platform: Web-based
Cost: Free version for simple returns
Features:
- Step-by-step instructions and interview-style interface
- NETFILE-certified
- Helps you claim deductions and credits such as the Climate Action Incentive, GST/HST credit, and tuition
- Paid upgrade options available if your return becomes complex
TurboTax Free is perfect for individuals with only T4 income and basic deductions.
3. H&R Block Free Online
Platform: Web-based
Cost: Free for most basic returns
Features:
- Built-in accuracy checker
- Access to CRA Auto-fill
- Supports tuition, RRSPs, childcare, and more
- Live chat available (paid add-on for full support)
This is a solid option for individuals who want flexibility with optional upgrades.
4. StudioTax
Platform: Windows, macOS, and Android app
Cost: Free for individuals with income under $20,000, otherwise donation-based
Features:
- Offline installation (desktop application)
- Full control over tax calculations and forms
- Supports most CRA schedules and income types
- Includes T776 (rental income), T2125 (self-employment), capital gains reporting, and more
Best suited for tax-savvy users or those who prefer not to file online.
5. GenuTax Standard
Platform: Windows desktop
Cost: Free (donations encouraged)
Features:
- Handles up to 20 returns per year (great for families)
- Supports prior year filings
- Guided wizard-style entry system
- NETFILE and CRA-certified
Great for long-time filers who want multi-year support in a secure offline environment.
6. AdvTax
Platform: Web-based
Cost: Free
Features:
- Supports multiple provinces and territories
- Supports complex tax scenarios (rental, investment, self-employment)
- Multi-language support
AdvTax is ideal for experienced filers who want direct control over forms and input.
Eligibility for Using Free Software
Most free CRA-approved software is geared toward individuals with basic tax needs. However, many tools also support:
- Self-employed individuals (T2125)
- Students with tuition credits
- Seniors and pension income splitters
- First-time filers and newcomers to Canada
- Rental income (T776)
Check the limitations of each software before starting your return to ensure it suits your tax situation.
How to Access CRA Auto-fill My Return
Most of the software listed above offers integration with the CRA’s Auto-fill My Return service. To use it:
- Register or log in to your CRA MyAccount
- Authorize the tax software to access your CRA data
- Auto-fill will pull in your T4s, RRSPs, and other registered slips
This not only saves time but ensures accuracy by reducing data entry mistakes.
When Free Software May Not Be Enough
You may want to consider paid software or a tax professional if:
- You have multiple income sources across jurisdictions
- You’re filing for a trust, estate, or business partnership
- You need multi-language support not available in the free version
- You’re dealing with capital losses, foreign income, or tax disputes
Conclusion
Filing taxes in Canada doesn’t have to be expensive. CRA-approved free tax software makes it possible for most Canadians to file quickly and efficiently without the cost of professional services. Whether you’re a student, retiree, or full-time worker, one of the options above will likely suit your needs.
Just make sure you choose a platform that supports your specific tax circumstances, and always double-check the software is certified by CRA for the 2025 tax year before you file.
Pro Tip: Bookmark the CRA’s official list of certified software for updates and ensure you’re always using a secure and verified filing solution.
