schedule your appointment

We would love to hear from you!

Please note: 

  • 1-year-only client fees are due in full in advance of our scheduled onboarding call
  • Multiple year clients will be asked to send a non-refundable call deposit fee between $200-$425 per person within 24 hours, in order to confirm the scheduling of your call. 

This amount will be applied as a payment for the tax return services (so that the call is free), when you proceed with paying the balance of the deposit (or invoice) and/or signing my authorization form within 24 hours of our call. If you decide not to proceed with me after our call, or you take longer than 24 hours to proceed, the $175 will become a separate fee as a payment for my time. 

RENEWING CLIENTS: PLEASE EMAIL OR DM DEBBIE DIRECTLY TO AVOID PAYING NEW CLIENT FEES

Thanks for your interest in working with Canada’s Tax Fairy Godmother, Debbie Horovitch, to resolve your tax troubles!

Please allow me to confirm I can be a fit for your needs by answering a few questions, and then after you’ve approved our fees and sent a deposit payment, you will be able to schedule a call with Debbie to get started.

Wonderful! If you’re ready to begin working with Debbie to immediately improve your financial confidence, beginning with your taxes, but just need to confirm the fees will be reasonable, you can confirm our fees, send a deposit, and schedule a call to get started right here.

Please note:
1-year-only client fees are due in full in advance of our scheduled onboarding call.
Multiple year clients will be asked to send a non-refundable call deposit fee between $200-$425 per person within 24 hours, in order to confirm the scheduling of your call.
This amount will be applied as a payment for the tax return services (so that the call is free), when you proceed with paying the balance of the deposit (or invoice) and/or signing my authorization form within 24 hours of our call. If you decide not to proceed with me after our call, or you take longer than 24 hours to proceed, the $175 will become a separate fee as a payment for my time.

RENEWING CLIENTS: PLEASE EMAIL OR DM DEBBIE DIRECTLY TO AVOID REPAYING NEW CLIENT FEES
Thanks for your interest in working with Canada’s Tax Fairy Godmother, Debbie Horovitch to resolve your tax troubles!
Please allow me to confirm I can be a fit for your needs by answering a few questions, and then after you’ve approved our fees, and sent a deposit payment, you will be able to schedule a call with Debbie to get started.

One Year Pricing


2024/5 only / 1 year only / Tax Consultation (fees include HST) NEW Clients (returning clients please email Debbie directly)
As I specialize in working with multiple year clients (who generally have much larger invoices, and pay a 50% deposit and the balance of my invoice before filing any years), I ask for payment on all 1-year only and tax consultation clients, in advance of our onboarding or consultation call.
By paying upfront, I can prioritize your return along with my other clients who only have one year only to file, to ensure you get your returns filed ASAP if you’re receiving a refund, or at least by the CRA filing deadline if you owe any amounts.
For 2024/5-only or ANY 1-year tax return, or Tax Consultation: **These fees INCLUDE both HST and the $25 administration/authorization fee (one time) for each NEW client.

Multiple Year Pricing


Before fully beginning the process, which can be quite fast and easy (for you), I like to ensure all my clients are OK with all my fees, and payment options, so that you can let me know when you're ready to begin and how quickly you want to get this all done.
Please note:
If you have lost or cannot locate income tax slips from employers for older years, I will be able to access them, and most of your last 10 years worth of income tax Tslips, carryforward, and other details necessary, on your CRA online account. Taxpayers who are 2+ years behind in filing are usually locked out, and cannot gain access themselves until AFTER I’ve filed all the years.
So for my fees:
I specialize in working with people who are multiple years behind, so my fees are the lowest for older years, for those with the lowest income AND least complex tax returns, and higher for people with higher-income OR more complex returns like self-employed, rental properties, moving expenses, or needing help with special program applications. Also, on the most recent year return on the invoice, your fees will be the same as ALL my 1-year only and tax consultation new & renewing clients.
The most important thing to me is that we get you caught up on tax returns, and not only free from additional potential financial penalties, but more importantly to calm the anxiety and stress that you've been feeling, that's been building up and impacting all areas of your life, for YEARS. Please let me know if you have any questions or what you think of this.
Non-Rendable Call Deposit:
If my fees/estimate seem fair to you and will meet your needs, then I ask for a non-refundable Call Deposit payment of $197.50 (employee-only) or $423.75 (self-employed), to be sent in advance of our onboarding call.
This amount will be applied as a payment for the tax return services (so that the call is free), when you proceed with paying the balance of the 50% deposit (or invoice) and/or signing my authorization form within 24 hours of our call. If you decide not to proceed with me after our call, or you take longer than 24 hours to proceed, the Call Deposit Payment will become a separate fee, as a payment for my time.

To proceed with booking Debbie’s calendar for a call to hire her on your tax returns, please send an etransfer to debbie.horovitch@gmail.com for a call deposit fee of minimum $197.75 (employee-only), or $423.75 (self-employed). Invoices will be adjusted for accuracy of years needed to be filed, and income source / amount, to the correct fees before proceeding, after our call. Minimum etransfer is required within 48 hours from scheduling a call, to hold your selected time slot and proceed with the call.
To proceed with booking Debbie’s calendar for a call to hire her on your tax returns, please send an etransfer to debbie.horovitch@gmail.com for a call deposit fee of $197.50 (employee-only) or $423.75 (self-employed)
Invoices will be adjusted for accuracy of years needed to be filed, and income source / amount, to the correct fees before proceeding, after our call, and before efiling any years.
Minimum etransfer is required within 48 hours from scheduling a call, to hold your selected time slot and proceed with the call.

✅ Thank You!

Before you submit the form, make sure to carefully review your information and confirm that everything is accurate.

Next Steps

  1. Deposit Payment: Please send your e-transfer within 48 hours to hold your scheduled time slot.
    • 📧 E-transfer to: debbie.horovitch@gmail.com
    • 💵 Minimum deposit: $197.50 (employee-only) OR $423.75 (self-employed)
    • ➡️ Or send the full estimated invoice total
  2. Booking Confirmation: If you scheduled your call using the calendar, Debbie will confirm your booking after receiving your deposit.
  3. Final Invoice: Invoices will be adjusted for accuracy based on your selection and situation before filing.

Important Notes

  • ⚠️ Deposits must be received within 48 hours to keep your booking.
  • CRA filing deadlines still apply—please don’t delay payment.
  • If urgent, reply directly to your confirmation email or contact Debbie.

📌 You will also receive a confirmation email with these details for your records.

PRICING

2024/5 only / 1 year only / Tax Consultation (fees include HST) NEW Clients
(Returning clients please email Debbie directly)

As I specialize in working with multiple year clients (who generally have much larger invoices, and pay a 50% deposit and the balance of my invoice before filing any years), I ask for payment on all 1-year only and tax consultation clients in advance of our onboarding or consultation call.

By paying upfront, I can prioritize your return along with my other clients who only have one year only to file, to ensure you get your returns filed ASAP if you’re receiving a refund, or at least by the CRA filing deadline if you owe any amounts.



Fee Schedule (includes HST + $25 admin fee for new clients):

  • $160 +HST if your income is less than $15k for the year = $180.80
  • $190 +HST or $235 +HST depending on if your income is under or over $50k = $214.70 (under $50k) or $265.55 (over $50k)
  • $325 +HST if your income is between $100k – $150k = $367.25
  • $400 +HST if your income is over $150k = $452.00
  • If untaxed contracts / freelance, rental property, or sole proprietorship → $452.00 (incl. HST)

If total revenue collected is less than $3.5k (no HST), it can be claimed as additional income (untaxed), with no expenses claimed → fees are based on related income level.

If your business is incorporated and you have a T5 for dividends or salary (not sole-proprietorship), and no rental property income → fees are at the related income level.



UPGRADE OPTIONS:

  • GST/HST Returns = $124.30 (incl. HST) each
  • HST Walkthrough Zoom call = $395.50 (incl. HST)


Optional Consultation:

New Business Owner’s Tax Consultation (Zoom call) → $395.50 (incl. HST)



Deposit Instructions:

👉 To proceed with booking Debbie’s calendar for a call to hire her on your tax returns OR for a tax consultation call, please send an e-transfer to debbie.horovitch@gmail.com for a minimum deposit:

  • $197.50 (employee-only)
  • $423.75 (self-employed)
  • OR the estimated total of your invoice

Invoices will be adjusted for accuracy before onboarding. Minimum e-transfer is required within 48 hours of scheduling to hold your time slot.

✅ Thank You!

Your information has been submitted successfully.

Next Steps

  1. Deposit Payment: Please send your e-transfer within 48 hours to hold your scheduled time slot.
    • 📧 E-transfer to: debbie.horovitch@gmail.com
    • 💵 Minimum deposit: $197.50 (employee-only) OR $423.75 (self-employed)
    • ➡️ Or send the full estimated invoice total
  2. Booking Confirmation: If you scheduled your call using the calendar, Debbie will confirm your booking after receiving your deposit.
  3. Final Invoice: Invoices will be adjusted for accuracy based on your selection and situation before filing.

Important Notes

  • ⚠️ Deposits must be received within 48 hours to keep your booking.
  • CRA filing deadlines still apply—please don’t delay payment.
  • If urgent, reply directly to your confirmation email or contact Debbie.

📌 You will also receive a confirmation email with these details for your records.

If you prefer to speak directly with Debbie, send a DM on Messenger m.me/debbie.horovitch here or email debbie@taxfairygodmother.ca

Frequently Asked Questions(FAQs)

Am I likely to owe money to the CRA for income tax or late-filing penalties?

No, separate from other CRA debts that may be reported on your tax account, or create a refund set-off where the CRA takes your refund and/or benefits amounts qualified, and applies it to pay off your other debts, it is UNLIKELY for you to owe money in income taxes, UNLESS you earn a large amount of your income from untaxed sources – tips, self-employment, and capital gains are the most common reason. In Canada, only about 25% of ALL tax returns filed owe money to the CRA in income tax and/or penalties. Late-filing penalties and interest are ONLY a % of the amount you still owe, so if you don’t owe, there is NO PENALTY FOR LATE FILING. The vast majority of my clients who are not self-employed or earning tips, have no amounts owing, and those who are low income, are likely to receive large amounts of refund and/or low-income benefits from the CRA after we file. 

No, as soon as you authorize me as your CRA Authorized Representative, [barring any access problems] I’ll be able to immediately access your CRA online account associated with your SIN number, which will show all your relevant carryforward details, and your employer/source-reported income earned.

As long as you’re regularly communicating with the CRA collections officer and/or making voluntary payments to the CRA, you’ll be allowed to take as long as you NEED, to pay off your debt. CRA debt is charged 8% interest currently (Q1 2025), and can change each quarter.

Yes, if it’s reasonable and I feel you’re likely to be approved. Please note my fees are $150 +HST for any Voluntary Disclosures Program or Taxpayer Relief Request application, and the CRA can take 12+ months to issue you a preliminary decision.  

 

It is ONLY likely for you to owe money to the CRA (income taxes) IF you have self-employment (untaxed) income or earn a lot of money in tips. Most of my clients who are employed only, and especially those who are LOW-INCOME, tend to receive refunds & full amounts of benefits from the CRA. On average, 76% of tax returns filed receive money FROM the CRA.

 

As long as you are up to date on filing your tax returns, and you are staying in touch with the CRA (so that you’re demonstrating your intention to pay them as soon as you have the money to be able to do so), they will allow you to make payments on your account balance over a long period of time.

The rate of interest on amounts owing to CRA is the Prime interest rate +1%.

The CRA will automatically claim your future refund amounts each year (and possibly some of your benefit amounts) to pay down your account balance.

CRA Links PDF

Usually 10 days after efiling. Benefits are sent at a prescribed schedule. Paper-filed years (2015 & 2016 are required paper-file), will be assessed in 5-8 months after filing.

I work hard to juggle and balance ALL my clients’ needs and the opportunity to get money BACK from the CRA for them, so I always prioritize 1 year only returns & multiple year clients that are most likely to have a refund (no deadline), and can be completed in a single work session. If you are likely to owe money to the CRA, I will GUARANTEE filing before the filing deadline for your returns. 

Yes, if you have a specific deadline issued by the CRA or any personal reason, and you need to have your returns efiled by ANY deadline during tax season (other than the CRA standard deadlines), or outside of tax season any deadline within 7 days of receiving all your required details, an additional RUSH/PRIORITY fee of $250 +HST will apply. I normally prioritize working on clients who have provided ALL necessary details at the beginning, and who will be likely receiving a REFUND. If you’re most likely to owe money, I will be working on your returns as soon as possible (after all the current, fully-paid clients, who are anticipating a refund amount), and I guarantee filing by April 30, IF you have provided all the necessary details and are likely to owe. 

No, unless you are ALSO planning to pay your full amount owing before April 30th, and you are willing to COMPLETE and have me efile your returns before April 30th, and you have provided me all your tax return details by April 14th at the LATEST. Otherwise, you are advised to pay as much of your tax bill as you have in savings, by the deadline, and then you will receive a refund or additional amount owing, after your returns are filed. 

 Potentially. If it makes sense, and won’t cause you troubles with the CRA. There is also a $250 +HST additional fee for any extra grouped/staged filing of years (EXCEPT for 2024 returns, for clients who pre-pay for multiple years before 2024 can be efiled).

DEADLINES

Please note the following 2025/6 deadlines, for 2015-2025 tax returns:

  • 2015 unfiled returns will EXPIRE December 31, 2025, need to be paper-filed.
  • January 31, 2026 efile for ALL years is locked (2024 cannot be filed yet)
  • Approximate: Until reopening February 24, 2026 to begin accepting 2017-2024 returns.
  • February 28, 2026 is the deadline to make RRSP contributions for inclusion on 2023 annual tax returns.
  • February 28, 2026 is also the deadline to issue any required T5s (from incorporated business dividends), and T4As (for subcontractors).
  • April 30, 2026 is the FILING deadline if NO SELF-EMPLOYMENT claims.
  • April 30, 2026 is ALSO the due date for income tax payments (amounts owed to CRA) for ALL 2025 returns: employee/personal, self-employed, and HST returns for 2025 tax year.
  • June 15, 2026 is the deadline for filing self-employed returns (and their spouses, even if the spouse has employee-income only), and for annual 2024 HST returns.
  • Returns including Rental Properties are due to be filed the same date as other income sources.

Please note:

RUSH/PRIORITY FEES ($250 +HST or higher) will be applied to any invoice that has a personal or CRA applied deadline to meet (during tax season), OR outside tax season but details have not been provided with minimum 7 days advance notice, or there are delays on signing the completed DocuSign.