No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Wealthsimple Tax (formerly SimpleTax) is one of Canada's most popular tax filing platforms. It's free for simple returns, charges $10–$20 for more complex filings (pay-what-you-want model), and connects directly to the CRA for auto-fill. For most Canadian employees and students, it is the easiest and cheapest way to file a tax return in 2025.
KOHO combines a no-fee bank account with built-in spending tracking and budgeting. Use code BREMO2026 for a sign-up bonus.
Get KOHO Free — Use Code BREMO2026| Plan | Cost | Best For |
|---|---|---|
| Basic | Pay what you want (including $0) | T4 income, students |
| Complex returns | $10–$20 suggested | Self-employed, rental income, investments |
Wealthsimple Tax uses a pay-what-you-want model. You can genuinely file for free if your return is straightforward. For more complex situations (self-employment, rental income, capital gains), the platform suggests a $10–$20 contribution, but you can still file for free. The software does not gate any features behind a paywall.
Wealthsimple Tax's CRA Auto-Fill (formally called Auto-fill my return) is a game-changer for most Canadians. Once you authorize the connection to CRA My Account, the software pulls your T4s, investment slips, RRSP contribution limits, and more — no manual entry required. This alone saves 30–60 minutes for the average return and eliminates transcription errors.
| Feature | Wealthsimple Tax | TurboTax Canada |
|---|---|---|
| Price | Free–$20 | $0–$60 |
| CRA Auto-Fill | Yes | Yes |
| Live expert help | No | Yes (paid tier) |
| Self-employed support | Good | Excellent |
| Interface | Minimalist | Guided interview |
Wealthsimple Tax is the best free tax software for most Canadians in 2025. CRA Auto-Fill makes it faster than any paper or manual approach, NETFILE integration means your refund arrives in days, and the pay-what-you-want model means even complex returns are affordable. For simple to moderately complex returns, it outperforms TurboTax on value by a wide margin.