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Organize your returns.
Find your deductions.
Plan smarter.

SEPTA organizes your T1 & T2 returns, highlights potential deductions you might have missed, flags CRA-sensitive patterns, and gives AI-powered planning insights — all in plain English.

T1 Analysis — 2024
John Smith · Ontario
Employment Income$82,400
RRSP Deduction$5,200
Line 12100 — DividendsReview
Basic Personal Amount$15,705
Est. savings: $1,840
Ask SEPTA
"Can I deduct my home office?"
Yes — if you worked from home >50% of the time, you can claim using the detailed or flat-rate method (T2200 required).

One platform. Smarter tax organization and insights.

SEPTA organizes your T1 & T2 returns, highlights potential deductions you might have missed, flags CRA-sensitive patterns, and gives AI-powered planning insights — all in plain English. No confusing jargon, no missed opportunities.

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T1 & T2 Return Analysis

Upload your personal or corporate return. SEPTA reads every line, flags CRA audit risks, surfaces missed deductions, and gives you a plain-English breakdown — in seconds.

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RRSP vs TFSA? Home office eligibility? CRA deadlines? Get 24/7 planning guidance and insights on Canadian financial strategy.

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Bank Statement Intelligence

Import OFX or CSV. SEPTA auto-categorizes every transaction and separates deductible expenses for you.

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Personal & corporate. Every province. AI recommendations included.

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Spot patterns that trigger CRA reviews before you file.

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Multi-tab, formula-ready, colour-coded — with one-click Excel export.

Real examples

Deductions you're missing.
Patterns that matter.

Get early access T1 & T2 returns, finds deductions you might have overlooked, flags patterns that attract CRA attention, and gives you AI-powered planning insights in plain English. It's like having a strategic partner reviewing your finances.

Missed deduction found
Line 22900 — Employment expenses: $1,840 unclaimed
CRA audit flag
Line 12100 — Investment income pattern is unusual
RRSP opportunity
$14,500 in unused contribution room — saves ~$4,350 in tax
Transactions categorized
412 transactions sorted — 38 flagged as deductible
How it works

Up and running in minutes

01

Upload your documents

Import T1 or T2 PDFs, bank statement CSVs, or enter data manually. SEPTA supports TaxCycle, CCH iFirm, and all major software exports.

02

AI does the analysis

SEPTA extracts every line, categorizes transactions, calculates your effective and marginal rates, spots risk flags, and maps every deduction you're entitled to.

03

Act on the insights

Get a plain-English action plan — RRSP room, missed credits, timing strategies, and what to double-check before you file.

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