Services
- Personal T1 Tax Returns
- Self-Employed (Sole-Proprietor) T1 Returns
- HST Returns
- Adjustments to previously filed returns missing info
- Voluntary Disclosures Program applications
FULLY VIRTUAL TAX OFFICE
Canada’s Tax Fairy Godmother®, operated by Debbie Horovitch, is a fully virtual tax office founded & operating from Toronto, Ontario, Canada.
How It Works (My Tax Fairy Godmother® Process)
Chat
Confirm I am suited to help you with your specific & unique tax situation * FB Messenger or Email ONLY * T1 personal & self-employed only
Call Deposit Payment & Schedule
$175 +HST or $375 +HST (sole-proprietor) > this fee will turn into a deposit payment for services, when you proceed with paying the balance of 50% deposit or invoice in full, and sign our authorization docs within 24 hours of our onboarding call.
Call
Phone call to collect your personal tax information & create a game plan for getting you back on track financially & in the right with CRA.
Authorization
Client Agreements & Sign CRA Authorization forms T1-AUTH (T1013) to allow Debbie Horovitch, Tax Fairy Godmother® to represent you to the CRA online and on the phone
Tax Preparation
T4 only years can be calculated immediately (results within 72 hours are common); others soon after providing relevant tax & deduction details
Review and Sign
Review your return details & request necessary adjustments before signing the finalized T183 eFile authorization forms
We can't solve problems by using the same kind of thinking we used when we created them.
- Albert Einstein
How It Works (My Tax Fairy Godmother® Process)
Chat
Call
Authorization
Deposit
Tax Preparation
Review and Sign
We can't solve problems by using the same kind of thinking we used when we created them.
- Albert Einstein
Frequently Asked Questions(FAQs)
How quickly will I receive money from the CRA?
If you have refund amounts from the last 5 years of taxes, and no other amounts due to the CRA or “reviews” on your account, then you are likely to receive your refund amounts from those years within 14 days of efiling.
Payments for Canada Child Benefits, GST Credit, and Trillium Benefits payments from the most recent 8 years are likely to be received in 6-8 weeks.
Older years refunds and benefits amounts can take up to 4-6 months or more, to be fully received.
What documents do I need to keep?
The most important documents to keep, so that you can be confident IF the CRA ever asks for proof of your deduction claims is the actual T-Slip (Tax Slip issued by the organization to both you and the CRA), or the purchase receipt (either digital or paper copy), or other official documentation of the claims, like your credit card statement or monthly bank statement.
If you’re claiming TIPS (cash) earned or other cash income, the accepted documentation is a handwritten log — I recommend a small/cheap notebook that you keep on your dresser and use for nothing other than logging your tips.There are also helpful apps available that allow you to track and even gamify your tip logging, making it easier — and more consistent — to report your income accurately on your tax return.
If you’re claiming vehicle expenses or meals, you should also be keeping a vehicle or trip log that includes the date, starting point and destination, client/purpose, odometer, and documentation of any reimbursement amounts.
Remember to keep your tax return receipts for 6 years from the date you filed the returns.
What if I don’t have receipts for the expenses I want to claim?
If you don’t see the CRA’s request for information (which is likely to be an email message that you have a message from CRA online on MyAccount), or fail to respond in the indicated time frame, or simply don’t have the documentation to provide to satisfy their request, the CRA will recalculate your tax returns based on changing your claims from the amount you filed to $0.
They will send you a letter informing you that because you failed to respond to their request for documentation, they have disallowed your claimed deductions and recalculated your returns. If there is an amount owed to them or to you, it will be stated in the letter.
What are the medical expenses I can claim on my tax returns?
For most “healthy” Canadians in most years, your out of pocket medical expenses (not reimbursed by insurance or other) will not be enough to create an income tax credit in that year – the total amount has to be more than 3% of your net income or $2,500 for the year (whichever is less) to create any credits.
Here is a more comprehensive list of medical expenses that can qualify, based on your province of residence.
What are the self-employment or sole proprietorship business expenses I can claim on my tax returns?
For the most part, the CRA will accept all reasonable business expenses as legitimate tax deductions. You must keep the receipts and documentation for your claimed expenses, and if the expenses are partly also personal expenses, then that adjustment must be reflected in your claims.
If you run your business from home, you can claim “Business Use of Home” expenses — such as rent, utilities, and internet — based on the percentage of your home’s square footage that is used for business purposes. If the space is shared (for example, a dining room or living room), the claim should be further reduced by 50% or more to account for personal use. This ensures the claim fairly reflects the portion of your home that is genuinely dedicated to your business activities.
Personal expenses that any worker, employee or contractor would normally have to pay for themselves, such as the cost of transportation to their regular place of employment, the cost of food/meals during working hours, or the cost or personally chosen clothing are rarely accepted business expense claims.
Here is the T2125 worksheet that shows all the various categories of business expenses the CRA normally accepts.
What if I owe money to the CRA for income taxes, but I can’t pay them right away?
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.
The CRA will never sell your debt to collection agencies, and will never report your debt to credit bureaus, since this is not credit/debt that you asked for, on the promise of repayment.
THE CRA CAN TAKE MONEY DIRECTLY FROM YOUR PERSONAL OR BUSINESS BANK ACCOUNTS, IN ORDER TO COMPEL YOU TO FILE DELINQUENT RETURNS OR MAKE A PAYMENT ARRANGEMENT ON OUTSTANDING DEBTS. You can prevent them from taking this action, by making frequent (monthly or quarterly) small payments towards your balance, AND by calling them frequently to update them on your situation, remind them of your intention to pay & your activities to get yourself in a position of being able to pay it off in full, eventually.
CRA will collect any remaining debts from your estate first, if you pass away.
if you make meaning, you'll make money
- Guy Kawasaki
Payment Options:
For all multiple year clients, I ask for a 50% deposit on the estimated invoice on the day we begin (after our phone call), and the balance to be paid before I file all the years that are outstanding.
- Pay in Full: If you're able to pay your invoice in FULL within 24 hours of issuing, I will discount the total of your services by 10%.
- Pay After Refund: Is available only to individuals with most likely refunds overall (low-income employees & students, with no self-employment or untaxed income or rental profits to claim). It offers a much lower deposit in advance of filing, and will cost an additional finance fee of $50-$500 depending on how much refund & benefits you will qualify for, along with a separate agreement and payment of my invoice in monthly payments until CRA funds are received and the invoice is paid in full. Please let me know if this is the only option for you to consider so that we can discuss and see how I can accommodate you.
Pricing
Tax Fairy Godmother fees of 2025 are still lower than CPAs, accountants, and big-name tax offices.
Fees are set to be fair and accessible for all Tax Fairy Godmother clients:
- Lowest fees for years with less than $50k annual employment income, and for people who are multiple years behind in filing tax returns
- Higher fees for years with more than $50k annual employment income, and for self-employed clients/years (to account for more forms and consulting consideration) consideration
- Highest fees for one year only clients
Do something today that your future self will thank you for.
Privacy
Every effort is made to operate our business, handling your confidential tax information and situation with complete discretion and privacy.
Communication forms accessible exclusively by Debbie Horovitch:
- Direct Messaging Debbie Horovitch on Facebook and LinkedIn (although please do not share detailed personal tax info on social channels)
- Clients’-exclusive emails to debbie.horovitch@gmail.com
- DocuSign, documents, and etransfers payments sent to Debbie’s exclusive email
- Phone calls with Debbie Horovitch / Tax Fairy Godmother are not recorded
Physical client files & notes are stored in a secure double-locked file storage area accessible only to Debbie Horovitch; digital files shared with clients by private email or DocuSign are stored in online cloud folders accessible exclusively to Debbie Horovitch.
Tax Fairy Godmother® branded social media marketing channels, and @taxfairygodmother.ca email addresses, are not private to Debbie exclusively and may be managed by marketing staff other than Debbie Horovitch.
Marketing staff and advisors to Debbie Horovitch are not shared access to any private client files.
CRA Credentials for Tax Fairy Godmother®
Debbie can be found on the CRA efile website (click), listed as a service provider, by searching “Tax Fairy Godmother” or postal code M3H 0C5
For more details please click here
CRA Credentials for Debbie Horovitch a.k.a. Tax Fairy Godmother®
Debbie can be found on the CRA efile website (click), listed as a service provider, by searching “Tax Fairy Godmother” or postal code M3H 0C5
For more details please click here
