---
title: 📝 How to Fill Out the TD1 and TD1-ON Forms in Ontario (2025 Guide)
description: Learn how to correctly fill out TD1 and TD1-ON forms in Ontario for 2025 to ensure accurate tax deductions from your paycheck.
---

[Toro Accounting Blog](https://toroaccounting.ca/blog)

# [📝 How to Fill Out the TD1 and TD1-ON Forms in Ontario (2025 Guide)](https://toroaccounting.ca/blog/td1-2025-guide)

 Written by [Camilo Toro](https://toroaccounting.ca/blog/author/camilo-toro) | May 2, 2025 11:29:38 PM

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?

- **TD1 (Federal)**: Declares your [federal personal tax credits](https://toroaccounting.ca/blog/understanding-non-refundable-and-refundable-tax-credits-in-canada?hsLang=en).
- **TD1-ON (Ontario)**: Declares your Ontario provincial tax credits.

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)](https://www.canada.ca/content/dam/cra-arc/formspubs/pbg/td1/td1-fill-25e.pdf)

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](https://www.canada.ca/content/dam/cra-arc/formspubs/pbg/td1-ws/td1-ws-25e.pdf)).
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)](https://www.canada.ca/content/dam/cra-arc/formspubs/pbg/td1on/td1on-fill-25e.pdf)

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**](https://toroaccounting.ca/en/book-a-free-call?hsLang=en)  
📧 Or email us at: [office**@toroaccounting.ca**](mailto:office@toroaccounting.ca)

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

[View full post](https://toroaccounting.ca/blog/td1-2025-guide)

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