Kitchener-Waterloo accounting firm · Est. 2019

Tax is strategy.
We think five moves
ahead of the CRA.

Personal tax, corporate tax, bookkeeping and payroll for Kitchener-Waterloo and clients across Canada. A small firm with big-firm experience — and a passion for using every rule in the book to keep more money in your wallet.

Book a consultation Estimate my 2026 tax
  • 10+ years of tax experience
  • Personal & corporate
  • Remote across Canada
  • Evenings until 7 pm
Services

Six services. One strategy.

Most firms file what you hand them. We look at the whole picture — personal and business — so every decision supports the next.

  1. Personal Tax

    Returns for employees, self-employed people and property owners — with planning built in.

    • T1 returns for individuals and families
    • Self-employed & rental property returns
    • Tax planning — RRSP, TFSA, FHSA, splitting
    • CRA reviews & audits, handled for you

  2. Corporate Tax

    T2 returns, year-end statements and owner-pay planning for incorporated businesses.

    • T2 corporate tax returns
    • Year-end financial statements
    • Salary vs. dividend planning
    • Business registrations & incorporation changes

  3. Bookkeeping

    Monthly or quarterly books, reconciled and ready for tax time.

    • Monthly or quarterly bookkeeping
    • Bank & credit card reconciliations
    • Catch-up and clean-up work
    • Reports you'll actually read

  4. Payroll

    Pay runs, remittances, T4s, ROEs and WSIB — on time, every time.

    • Pay runs and pay stubs
    • CPP, EI & income tax remittances
    • T4s, T4 summaries and ROEs
    • WSIB reporting

  5. GST/HST

    Registration, returns, input tax credits and Quick Method elections.

    • Registration when you cross $30,000
    • Monthly, quarterly or annual returns
    • Input tax credit review
    • Quick Method analysis

  6. Consulting

    Strategy for personal and corporate decisions — before they become tax problems.

    • Personal & corporate tax planning
    • Should-I-incorporate analysis
    • Start-up and business structure
    • CRA issues and disputes
All services
How we work

Five steps, all year.

A clear process from first conversation to filed return — and what each step keeps in your pocket.

  1. Discover

    We map your whole situation — income, business, family, deadlines.

  2. Strategize

    We build the plan: RRSP, FHSA, expenses, structure, timing.

  3. Execute

    Bookkeeping, payroll and filings done on schedule.

  4. File

    Returns filed accurately — every credit and deduction claimed.

  5. Review

    We look back, look ahead, and set up next year.

You keep$78,562
The CRA takes$31,438

Baseline — before planning · Example: Ontario sole proprietor with $110,000 net income. Plan: $10,000 RRSP, $8,000 FHSA, $3,000 of missed expenses. Income tax + CPP from our 2026 calculator. Illustrative only.

Free tools

Run the numbers yourself.

Built on 2026 federal and Ontario rates. Free, private and instant — your inputs never leave your browser.

Most used

Ontario income tax calculator

Your 2026 federal + Ontario tax, marginal rate and take-home pay.

Open tool

Refund or owing estimator

Will you get money back? Plus three ways to improve the result.

Open tool

RRSP savings calculator

See exactly what an RRSP contribution saves you before the deadline.

Open tool Live

Tax deadline countdown

Every key CRA date with a live countdown — plus a T2 due-date calculator.

Open tool
See all 8 tools
10+Years of tax experience
6Core services under one roof
7Communities served in person
13Provinces & territories served remotely
Reviews

What clients say.

Real reviews from real clients, straight from Google.

Read our Google reviews

See what Kitchener-Waterloo clients say about working with The Tax Mates — and leave one if we've helped you.

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Questions

Straight answers.

Can't see yours? Call (519) 721-2693 — we'll answer it in two minutes.

We're a Kitchener-Waterloo accounting firm offering personal and corporate tax returns, bookkeeping, payroll (including T4s, ROEs and WSIB), GST/HST reporting, business registrations and tax consulting.

No. We serve Kitchener, Waterloo, Cambridge, Guelph, St. Jacobs, Brantford, Stratford and the surrounding area in person — and clients anywhere in Canada remotely.

Fees depend on what you need. We quote before we start, so you'll know the cost up front. Book an opening consultation and we'll scope it with you.

Yes. We file late and prior-year returns and catch up overdue bookkeeping all the time. Getting current sooner usually reduces penalties and interest.

Yes. After you authorize The Tax Mates as your representative, we can speak with the CRA, answer letters and handle reviews and audits on your behalf.

For most people, it's April 30 — both to file and to pay. If you or your spouse are self-employed, you have until June 15 to file, but any balance is still due April 30. Our deadline countdown shows every key date.

Let's talk.

Book a consultation. We'll look at the whole picture — your income, your business, your deadlines — and plan the year ahead.

Book a consultation (519) 721-2693