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📝 How to Fill Out the TD1 and TD1-ON Forms in Ontario (2025 Guide)

If you're starting a new job in Ontario or switching employers, one of the first things your employer will ask you to complete is the TD1 and TD1-ON forms. These federal and provincial forms determine how much income tax should be deducted from your pay.

Filling them out correctly is essential—under-claiming means overpaying taxes, while over-claiming could leave you owing at tax time.

Here’s a step-by-step guide to help you complete them with confidence.

What Are TD1 and TD1-ON?

You need to complete these if:

  • You start a new job or receive a pension

  • Your personal situation changes (dependants, disability, etc.)

  • You want to increase or reduce the tax withheld

🟦 Step-by-Step: Filling Out the Federal TD1 (2025)

📥 Download: Federal TD1 2025 Form (CRA)

  1. Line 1 – Basic Personal Amount

    • Enter $16,129 (everyone is entitled to this unless they make more than $177,882, in which case there is a reduction that needs to be calculated on the TD1-WS Worsheet).

  2. Lines 2–12 – Other Credits (only if they apply to you)
    Examples:

    • Line 3: Age amount if you're 65+ and earn under $45,522 → $9,028

    • Line 4: Pension income amount → Up to $2,000

    • Line 6: Disability amount → $10,138

    • Line 10: Canada caregiver for adult dependants → Up to $8,601

  3. Line 13 – Total Claim Amount

    • Add lines 1 to 12. Your employer uses this amount to determine tax deductions.

  4. Additional Fields in Page 2

    • Tick boxes if you have multiple jobs or if your total income will be under your claim amount, so no tax should be withheld.

🟩 Step-by-Step: Filling Out the Ontario TD1-ON (2025)

📥 Download: Ontario TD1-ON 2025 Form (CRA)

  1. Line 1 – Basic Personal Amount

    • Enter $12,122 (standard for all Ontario residents).

  2. Lines 2–9 – Additional Credits (if applicable)
    Examples:

    • Line 2: Age amount → $6,223 if you're 65+ and earn less than $46,330

    • Line 4: Disability amount → $10,298

    • Line 5: Spousal amount → Up to $10,823

    • Line 6: Eligible dependant → Up to $10,823

  3. Line 10 – Total Claim Amount

    • Add lines 1 to 9. This will be used for Ontario tax deduction calculations.

⚠️ Tips and Common Mistakes

✅ DO:

  • Use current year amounts (see above).

  • Notify your employer if your situation changes during the year.

🚫 DON’T:

  • Claim credits twice (federal and provincial amounts are different).

  • Forget to update your TD1 forms if you have a new job or reduced income.

🧍‍♂️ What is a Non-Resident?

The forms make mention of a few sections that apply for non-residents. In the context of Canadian taxes, a non-resident is someone who does not have significant residential ties to Canada. This affects whether you can claim personal tax credits on the TD1 form.

You are likely a non-resident if:

  • You live outside Canada most of the year

  • You do not have a home, spouse, or dependants in Canada

  • You only work temporarily (i.e. less than 183 days) in Canada and return to another country

💡 Optional Adjustments

  • You can ask your employer to withhold more tax (if you have side income) or less tax (if you claim deductions like RRSPs) using:

    • Additional Tax section on TD1 in Page 2

    • Form T1213 (to reduce tax with authorization from CRA)

📌 Final Steps

  • Submit to your employer or payer, not the CRA.

  • Keep a copy for your records.

If you're unsure which credits you qualify for, have multiple jobs, or want to make sure your taxes are being withheld correctly, we’re here to help.

👉 Book a free consultation with Toro Accounting and let our team walk you through your TD1 and payroll setup with confidence.

📅 Schedule your call today
📧 Or email us at: office@toroaccounting.ca

Don’t risk owing at tax time—get it right from the start with expert support.
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