Employees and families
Wages, investments, pensions, deductions and credits.
Personal tax · US & Canada
Individual tax returns for the US and Canada.
Cloud Accounting prepares and files personal tax returns in the US and Canada: US Form 1040 and state returns, and the Canadian T1. We handle self-employment, rental and foreign income, catch-up years, and people with ties to both countries. You talk directly with Di Lu, CPA, in English or Chinese.
Who it's for
Self-employed and freelancers
Business income and expenses on Schedule C or form T2125.
Landlords
Rental income and expenses on Schedule E or form T776.
Newcomers and movers
The year you arrive in, or leave, the US or Canada.
Foreign income or accounts
Foreign income, FBAR and T1135 reporting.
Behind on filing
Past-year returns brought up to date.
What we prepare
United States
- Form 1040Your federal return, with the schedules your income needs.
- State returnsResident, part-year and nonresident.
- Form 1040-NRFor nonresidents with US income.
- FBAR and Form 8938Foreign bank and financial account reporting.
Canada
- T1 returnYour federal and provincial income tax return.
- Form T2125Business and professional income.
- Form T776Rental income and expenses.
- Form T1135Foreign property reporting.
Your quote lists every return and form included before work starts.
What it costs
Quoted for youAfter your consultation
Personal returns are quoted after your consultation, based on the returns and forms you need.
Book a consultationHow it works
- 01
Book a free call
A short phone consultation. Tell us what you need and what changed this year.
- 02
Get a clear quote
You see every return included and the fee before any work starts.
- 03
Share your documents
Upload them to the secure client portal, never by email.
- 04
Review and file
We walk you through the return and file it once you approve.
What to prepare
Bring what you have. Missing records can be part of the conversation.
- Last year's return and any IRS or CRA notices.
- Income slips: W-2, 1099, T4, T5 and similar.
- Receipts for deductions and credits: donations, medical, child care, tuition.
- A note on anything new: a move, a business, a rental, a foreign account.
Common questions
Short answers here. For your own situation, ask at a consultation.
Book a consultationCan you prepare both my US and Canadian returns?
Yes. We prepare both, so income, tax paid and foreign tax credits line up across the two returns. If you live in one country and have citizenship, income or property in the other, see cross-border tax.
I'm self-employed. Do I need a separate business return?
Not if you are a sole proprietor. Your business income goes on your personal return: Schedule C in the US, form T2125 in Canada. A corporation files its own return; see corporate tax.
I haven't filed for a few years. Can you help?
Yes. Bring whatever records you have. We work out which years are missing and what each one needs, then prepare them.
How much does a personal return cost?
It depends on the returns and forms you need. You get a quote after your consultation, before any work starts.
Can I work with you in Chinese?
Yes. Consultations and service are available in English and Chinese.
Guides on this topic
- Renting Out US Property From Abroad: Tax and Returns
- Nonresident With a US Business: Filing Your Form 1040-NR
- Haven't Filed US Tax Returns in Years? How to Catch Up
- Filed as a US Resident by Mistake on a Visa?
- US Tax on Life and Savings Insurance Bought Abroad
- Leaving the US: Tax Returns, 401(k) and Accounts
Show all 34 guides
- How US Rental Income Is Taxed and What You Can Deduct
- Tax Returns for Citizenship and Green Card Sponsorship
- Working in the US for an Employer Abroad
- Business Losses: Using Them Now, Back or Forward
- How Self-Employed Income Is Taxed in Canada
- Non-Resident Landlords: Canadian Rent, NR6 and Section 216
- Selling Canadian Property as a Non-Resident
- How Much in Dividends Can You Take Tax-Free?
- Tax on dividends from your corporation, by province
- Haven't Filed Taxes in Years? How to Catch Up in Canada
- Your first Canadian tax return after moving to Canada
- Foreign Income on a Canadian Return and the Tax Credit
- Leaving Canada: Departure Tax and Your Final Return
- Section 217 and OAS Returns for Non-Resident Retirees
- Why You Owe Tax After Paying Yourself Dividends
- Principal residence exemption: When a home sale is tax-free
- Property Flipping and Presale Assignments: How Profit Is Taxed
- Renting or selling property outside Canada: Canadian tax
- Working in Canada for an Employer or Clients Abroad
- Rental Income Tax in Canada: Reporting, Expenses and Losses
- Selling a Rental Property in Canada: Gain, Recapture and Loss
- CRA Instalment Reminder: Pay, Reduce or Catch Up
- Taxes When Someone Dies in Canada: Returns and Property
- TFSA Over-Contributions and Non-Resident Tax
- Gifting Property to Family or Adding Them to Title
- Turning Your Home Into a Rental, or Moving Into One
- Unreported Income or Foreign Property: Coming Forward
- Do you need an accountant for your Canadian tax return?
Official sources
- IRS: Gather your documentsWhat to collect before filing: personal details, income statements such as W-2 and 1099 forms, and records for credits and deductions.
- CRA: Personal income taxWho should file a Canadian return, income to report, deductions and credits, and due dates.
Use these for background; they do not replace advice on your situation. Links checked .