TD1 Form 2026: Everything You Need to Know About the Personal Tax Credits Return

TD1 Form 2026 – In Canada, managing your taxes efficiently starts with the right forms. The TD1 Form 2026, officially known as the Personal Tax Credits Return, is a key document for employees to claim non-refundable tax credits that reduce the amount of income tax withheld from their paychecks. Whether you’re starting a new job or your personal circumstances have changed, understanding the TD1 2026 form can help you avoid overpaying taxes throughout the year. This guide covers the purpose of the form, who needs to fill it out, how to complete it, key changes for 2026, and where to download it—all based on the latest information from the Canada Revenue Agency (CRA).

What Is the TD1 Form 2026?

The TD1 Form is a declaration form provided by the CRA that allows individuals to claim personal tax credits. These credits are non-refundable and help determine how much tax your employer or payer should deduct from your salary, wages, pensions, or other remuneration. By claiming eligible credits, you can increase your take-home pay, as less tax is withheld at source.

There are two main types of TD1 forms:

  • Federal TD1: Applies to federal income tax deductions.
  • Provincial/Territorial TD1: Applies to provincial or territorial tax deductions, specific to where you live and work (except Quebec, which has its own system administered by Revenu Québec).

For pay received on or after January 1, 2026, you must use the 2026 versions of these forms. The forms are updated annually to reflect inflation adjustments and policy changes.

Who Needs to Fill Out the TD1 2026 Form?

You should complete the TD1 2026 form if:

  • You have a new employer or payer (e.g., starting a job or receiving a new pension).
  • You want to change the amount of tax deducted from your pay due to updated personal circumstances, such as marriage, having a child, or becoming eligible for disability credits.
  • You wish to claim more than the basic personal amount (e.g., for dependents or age-related credits).
  • Your net income is expected to be high enough to affect phased-out credits.

Employers are required to request completed TD1 forms from new employees. If you don’t submit one, your employer will use the basic personal amount by default, which might result in higher tax withholdings. Failure to update the form could lead to under- or over-withholding, potentially resulting in a tax bill or refund when you file your annual return.

If you’re self-employed or receive income without withholdings (e.g., investment income), you don’t need the TD1, but you can claim these credits on your T1 tax return.

Key Changes and Updates for TD1 2026

The 2026 TD1 forms incorporate an indexing factor of 2.0% based on the Consumer Price Index (CPI), adjusting personal amounts to account for inflation. This ensures credits keep pace with rising living costs.

Notable federal updates include:

  • Basic Personal Amount (BPA): The maximum BPA is $16,452 for individuals with net income of $181,440 or less. It tapers down to $14,829 for net income of $258,482 or more. The taper formula is: BPA = $16,452 – (Net Income – $181,440) × ($1,623 / $77,042).
  • Canada Employment Amount: Increased to $1,501.
  • Other credits like the age amount, spouse or common-law partner amount, caregiver amount, and disability amount are also indexed at 2.0%, though specific maximums are calculated using the accompanying TD1-WS worksheet.

Provincial changes vary:

  • Alberta: Basic personal amount set at $22,769.
  • British Columbia: $13,216 (indexed at 2.2%).
  • Manitoba: $15,780, with phase-out for incomes over $200,000.
  • And so on for other provinces (see the full list below).

No major policy shifts were announced for 2026 beyond indexing and specific provincial adjustments, such as Prince Edward Island’s increase to $15,000.

How to Fill Out the TD1 2026 Form? Step-by-Step Guide

Filling out the TD1 is straightforward, but accuracy is crucial to avoid issues with your tax withholdings. Use the TD1-WS worksheet if you need to calculate reduced amounts based on income.

  1. Personal Information: Enter your name, address, social insurance number (SIN), date of birth, and employee number (if applicable).
  2. Claim Eligible Credits: Review each line and enter the amount you qualify for. Common credits include:
    • Basic Personal Amount: Everyone claims this—enter $16,452 if your net income is $181,440 or less.
    • Spouse or Common-Law Partner Amount: Up to the BPA if your partner has little or no income; reduced by their net income.
    • Canada Caregiver Amount: For caring for dependents with impairments (infirm children under 18: up to $2,766 additional; adults: up to $8,361).
    • Age Amount: If you’re 65 or older by December 31, 2026, claim up to an indexed maximum (e.g., around $8,790, reduced if net income exceeds ~$43,000).
    • Pension Income Amount: Up to $2,000 for eligible pension income.
    • Disability Amount: $9,872 if you have a severe impairment (requires T2201 approval).
    • Dependent Amounts: For eligible dependents, children, or infirm family members.
  3. Calculate Total Claim Amount: Add up all eligible amounts and enter the total on line 13 (or equivalent). If it’s more than the basic amount, your tax withholdings will decrease.
  4. Additional Requests: If you want extra tax deducted (e.g., to avoid owing at tax time), indicate it here. Also, note if you have multiple employers.
  5. Sign and Date: Submit the original to your employer; keep a copy for your records.

Use the TD1-WS 2026 worksheet for detailed calculations, especially if credits are income-dependent. If your situation changes mid-year, submit a new form.

Federal and Provincial TD1 2026 Forms: Where to Download

All TD1 2026 forms are available on the CRA website. Download the federal form and the one for your province/territory:

  • Federal: TD1 2026 Personal Tax Credits Return and TD1-WS Worksheet.
  • Alberta: TD1AB and TD1AB-WS.
  • British Columbia: TD1BC and TD1BC-WS.
  • Manitoba: TD1MB and TD1MB-WS.
  • New Brunswick: TD1NB and TD1NB-WS.
  • Newfoundland and Labrador: TD1NL and TD1NL-WS.
  • Nova Scotia: TD1NS and TD1NS-WS.
  • Northwest Territories: TD1NT and TD1NT-WS.
  • Nunavut: TD1NU and TD1NU-WS.
  • Ontario: TD1ON and TD1ON-WS (BPA: $12,989).
  • Prince Edward Island: TD1PE and TD1PE-WS.
  • Saskatchewan: TD1SK and TD1SK-WS.
  • Yukon: TD1YT and TD1YT-WS.

Access them via the CRA’s forms page for pay received on or after January 1, 2026. Forms are fillable PDFs—print or submit electronically if your employer allows.

Where I Can Download TD1 Form 2026?

You can download the TD1 Form 2026 (Personal Tax Credits Return) and all related provincial/territorial versions directly from the official Canada Revenue Agency (CRA) website. These forms are for pay received on or after January 1, 2026, and were updated as of December 2025.

Main Download Page

The central hub for all 2026 TD1 forms is here:
https://www.canada.ca/en/revenue-agency/services/forms-publications/td1-personal-tax-credits-returns/td1-forms-pay-received-on-january-1-later.html

From this page, you can access:

Provincial/Territorial TD1 Forms (2026)

Select your province or territory from the same main page (linked above). Examples include:

Each form page provides:

  • Standard PDF version
  • Fillable/saveable PDF version

Quick Tips

  • Download the federal TD1 plus the one for your province/territory of employment (Quebec uses a different system via Revenu Québec).
  • Forms are free, official PDFs—no login required.
  • If your employer needs it, you can fill it out digitally, print, scan, or send electronically as per CRA guidelines.
  • Always use the 2026 versions for 2026 pay periods to reflect the latest indexing (e.g., federal basic personal amount adjustments).

For the most up-to-date links or if any change occurs, start from the CRA’s TD1 section:
https://www.canada.ca/en/revenue-agency/services/forms-publications/td1-personal-tax-credits-returns.html

This is the official, trusted source—avoid third-party sites to ensure you get the current, accurate version.

Tips for Optimizing Your TD1 2026 Claims

  • Estimate Your Net Income: Use last year’s T1 return to predict 2026 income for phased-out credits.
  • Claim Only What You Qualify For: Overclaiming can lead to audits or owing taxes later.
  • Update Annually: Review and resubmit if your family or income situation changes.
  • For High Earners: Note the BPA phase-out starts at $181,440 federally.
  • Seek Help: If unsure, consult a tax professional or use CRA’s online resources.

By properly completing your TD1 2026 form, you can ensure accurate tax withholdings and potentially boost your monthly cash flow. Stay updated with CRA announcements for any last-minute changes. For more details, visit the official CRA website or contact their support line.

This article is for informational purposes only and not tax advice. Consult the CRA or a professional for personalized guidance.