{"id":53229,"date":"2023-12-29T14:21:14","date_gmt":"2023-12-29T22:21:14","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=53229"},"modified":"2024-03-07T08:08:31","modified_gmt":"2024-03-07T16:08:31","slug":"tax-planning-resolutions","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/tax-planning-resolutions","title":{"rendered":"5 Tax Planning Resolutions for 2024"},"content":{"rendered":"\n

With a new year fast approaching, you might already have some financial goals in mind for 2024. If income tax<\/a> planning isn\u2019t on that list, it should be, experts say.<\/p>\n\n\n\n

Knowing about newer tax rules and benefits can help you customize a plan that will maximize your money in the year ahead. <\/p>\n\n\n\n

1. Understand your tax rate<\/h2>\n\n\n\n

Each year, the federal government sets new tax brackets<\/a> for personal income tax and certain benefit amounts that are indexed for inflation. For the 2024 tax year, Canadians will see an indexation increase of 4.7% to their personal income tax brackets.

This means individuals earning more than $55,867 in 2024 will pay an income tax rate of at least 20.5%, according to the Canadian Revenue Agency.

Your tax planning strategy will depend heavily on your projected \u201chuman capital potential\u201d and specific financial goals, says Sam Lichtman, a certified financial planner (CFP) and founder of Millen Wealth Management in London, Ontario. He notes this is especially true for younger professionals whose earnings are much lower than those farther along in their careers, and who might want to buy a car or a home in the near future.

Lichtman says younger workers should consider, \u201c\u2018If I have the ability to take a deduction off the top of my income [to put toward an RRSP] maybe it makes more sense to do that when my income is maximized instead of when I’m just at the beginning of my career and not making very much.\u2019\u201d<\/p>\n\n\n\n

2. Contribute to your employer\u2019s RRSP<\/h2>\n\n\n\n

The biggest investment experts say you can make in your future while optimizing your tax savings is contributing your pre-tax income into an RRSP account<\/a>. For the 2023 tax year, workers can contribute up to $30,780 in tax-deferred income to an RRSP, according to the CRA. In 2024, the limit will increase to $31,560.

Invest in your long-term future by using an RRSP. You’re going to get the best bang for your buck, says Jordan Dawes, a CFP with the Watkins Group in Victoria, British Columbia. Dawes adds that investing in your company\u2019s RRSP \u2014 especially if your employer offers contribution matching<\/a> \u2014 helps you lower your taxable income while saving for retirement.<\/p>\n\n\n\n

3. Take advantage of home buyer tax perks<\/h2>\n\n\n\n

Two initiatives with tax benefits for Canadian home buyers are the First Home Savings Account (FHSA)<\/a> and the First-Time Home Buyers’ Tax Credit, sometimes called the Home Buyers’ Amount.<\/p>\n\n\n\n

FHSAs allow prospective home buyers to contribute up to $8,000 in the year they open the account and up to $40,000 over the account\u2019s lifetime \u2014 all while lowering their taxable income. The accounts can be opened at most types of financial institutions, including a bank, credit union or a trust or insurance company.<\/p>\n\n\n\n

\u201cAnyone who does not own a home and is looking to buy a home in the next decade and a half \u2026 that’s the first account that should be opened,\u201d Dawes says of the FHSA.<\/p>\n\n\n\n

The First-Time Home Buyers’ Tax Credit<\/a> allows home buyers to claim up to $10,000 of the purchase price for a non-refundable tax credit of up to $1,500.<\/p>\n\n\n\n

4. Check your eligibility for child care benefits<\/h2>\n\n\n\n

If you\u2019re a parent (or plan to become one soon), there are several helpful tax benefits to incorporate into your annual financial plan. The Canada Child Benefit<\/a> is the most notable perk which currently provides parents up to $7,437 per child under the age of six and up to $6,275 for children ages six through 17 in 2023.

There are additional federal child benefits you may be eligible for such as the child disability benefit. Some provinces and territories offer additional child benefits that are either paid separately or added to the federal CCB payment.

You can also save for your children\u2019s education by putting money into a tax-free registered education savings plan (RESP)<\/a>, Dawes says. If your child meets certain criteria and has an RESP, they might be eligible for the Canada Learning Bond<\/a>, which provides a maximum of $2,000 toward post-secondary education expenses, as well as a maximum amount of $7,200 through the Canada Education Savings Grant<\/a>.
<\/p>\n\n\n\n

5. Maximize self-employment income and benefits <\/h2>\n\n\n\n

If you run your own business or are self-employed, tax time is ideal for making a plan of attack for the year ahead. Your plan should include a cash flow analysis, including how you\u2019re paid from your business, says Ben Mayhew, a CFP with Aergo Financial Planning in Halifax, Nova Scotia.<\/p>\n\n\n\n

If you take a salary from your own business, contributing to employment insurance<\/a> (EI) allows you to recive up to 55% of your earnings (a maximum of $650 per week) if you need to take time away from work to care for a child or other relatives.<\/p>\n\n\n\n

You\u2019ll pay annual EI premiums based on your reported self-employed income for an entire calendar year, beginning with the year you apply for the coverage.<\/p>\n\n\n\n

Taking a salary allows business owners to use EI to claim parental leave \u2014 a sizable benefit that many people aren\u2019t aware of, Lichtman says. He adds that having the flexibility to structure your pay based on your family\u2019s needs is a strategic way to maximize your earnings and tax savings. <\/p>\n\n\n\n

The bottom line: It pays to plan ahead<\/h2>\n\n\n\n

This list of tax strategies isn\u2019t exhaustive; but it\u2019s a good place to start. Know that you might also qualify for additional tax credits<\/a> and deductions<\/a> from the government, as well as your province or territory. Consult with the CRA website or your tax professional to ensure you\u2019re claiming everything you\u2019re eligible for.<\/p>\n\n\n\n

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\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tDeborah Kearns<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Deborah Kearns is a freelance editor and writer with more than 15 years of experience covering real estate, mortgages and personal finance topics. Her work has appeared in The New…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Deborah Kearns and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

\n\t\t\t\t\t

\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
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\n
\n\t
\n\t\t\t\n\t\t\"5\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\t5 Tax Write-Offs Every Small Business Owner Should Know About\t<\/a>\n<\/h4>\n\n\t
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Run your own business? These deductions can significantly lower your tax bill.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Helen Burnett-Nichols<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Self-Employed\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tSelf-Employed Taxes in Canada: Filing Deadlines and How to Pay\t<\/a>\n<\/h4>\n\n\t
\n\t\t

If you’re self-employed, plan to set aside 25%-30% of your income for taxes. The filing deadline is June 15th, but any taxes owed must be paid by April 30th.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"7\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\t7 Canadian Tax Changes That Might Affect You in 2024\t<\/a>\n<\/h4>\n\n\t
\n\t\t

New federal tax brackets, a higher Basic Personal Amount and the end of the flat-rate method for home office expense deductions are among the notable changes.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Carbon\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tCarbon Tax Rebate: Answers to 5 Common Questions\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Known officially as the Climate Action Incentive Payment (CAIP), the carbon tax rebate is paid to residents of certain provinces to offset the cost of federal pollution pricing<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Helen Burnett-Nichols<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

Resolve to address and explore these tax planning strategies if you can \u2014 your future self will thank you.<\/p>\n","protected":false},"author":12,"featured_media":53741,"parent":104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"2023-12-29T22:21:20Z","apple_news_api_id":"fa558755-d8bc-4cd1-aec0-8d60a495ff29","apple_news_api_modified_at":"2023-12-29T22:21:20Z","apple_news_api_revision":"AAAAAAAAAAD\/\/\/\/\/\/\/\/\/\/w==","apple_news_api_share_url":"https:\/\/apple.news\/A-lWHVdi8TNGuwI1gpJX_KQ","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"GENERAL","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\",\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/76919044-3bb4-46ec-8cd0-168bc6bc224f\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[13],"topic":[267],"cluster":[268],"pp_author":[1032],"acf":[],"apple_news_notices":[],"yoast_head":"\n5 Tax Planning Resolutions for 2024 - 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