As the April 30 tax deadline rapidly approaches, a surprising number of Canadians are putting off filing their returns—many not out of procrastination, but pure confusion. According to a new H&R Block survey featured in the Financial Post, nearly a third of taxpayers admit they’re unsure what they can even claim this year.
Let’s break down the tax-time chaos and what’s really behind the national hesitation.
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Tax Confusion Hits Hard: 29% Unsure What to Claim, 28% Delaying Filing
The survey reveals that 29% of Canadians are uncertain about eligible tax claims, while 28% plan to delay filing—a clear sign that tax season has become more complex than ever. Another 15% who already filed worry they may have made mistakes in their returns.
What’s causing the anxiety? Yannick Lemay, tax expert at H&R Block Canada, says much of it stems from recent and often confusing updates by the federal government and the Canada Revenue Agency (CRA).
The New Rules Causing All the Confusion
A wave of recent policy changes and announcements has Canadians scratching their heads:
- Capital Gains Tax Adjustments: The proposed increase in the capital gains inclusion rate—from 50% to 66% for individuals earning over $250,000—was cancelled in March 2025 by Prime Minister Mark Carney. Although it was scrapped, the mere discussion created lasting confusion.
- Canada Carbon Rebate Cancellation: The federal government eliminated this rebate, which had previously helped offset carbon tax costs.
- Extended Filing Deadlines: While some Canadians are eligible for extended filing due to delays in income-related forms, the rules on who qualifies aren’t well understood.
Political Timing Adding Fuel to the Fire
The April 28 federal election, just two days before the tax deadline, has further muddied the waters. Even though Lemay stresses that this election won’t impact the 2025 filing requirements, 22% of survey respondents believe the election might prompt a deadline extension.
- 7% plan to wait for the election results before filing.
- Another 7% expect to miss the deadline due to confusion about policy changes.
Lack of Confidence and Awareness Puts Refunds at Risk
More concerning findings from the H&R Block survey include:
- 40% didn’t know any tax changes occurred mid-season.
- 37% felt unsure they could maximize their refund.
- 36% lacked knowledge about employment-related credits or deductions.
- 20% believe they missed out on credits or deductions they were eligible for.
The result? Canadians are leaving money on the table—or worse, risking filing incorrect returns.
Debt, Inflation, and Tax Uncertainty: The Triple Threat
Another study by Remolino and Associates Inc., in collaboration with Angus Reid, found that 65% of Canadians worry about the financial impact of current tax policies. For many, refunds aren’t a windfall—they’re a lifeline.
- 1 in 4 plan to use their refund to pay down debt.
- Many Canadians are unsure where to turn for help or don’t know their options for debt relief.
- Economic stress and inflation have amplified tax season anxiety.
Francisco Remolino, principal at Remolino and Associates, notes that this year, tax season isn’t just a bureaucratic task—it’s a financial survival strategy for millions.
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What You Can Do Right Now
Despite the confusion, experts urge Canadians not to delay. Filing by April 30 is critical, even if you don’t owe any taxes. Missing the deadline can lead to penalties and delays in receiving refunds.
Here are a few action steps:
- Don’t wait for the election—this year’s rules still apply.
- Use online tools or speak with a tax advisor if you’re unsure what you can claim.
- Review all employment-related deductions—you might be missing out.
- File on time, even if unsure, and consider amending your return later if needed.
Bottom Line: Confused or Not, Don’t Miss the Deadline
This tax season, hesitation is high, and clarity is low. But one thing is clear: April 30 isn’t going anywhere. Whether you’re worried about capital gains, missing credits, or the impact of federal politics, the best move is to file on time and seek help if you need it.
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