{"id":1309,"date":"2026-06-06T10:02:51","date_gmt":"2026-06-06T10:02:51","guid":{"rendered":"https:\/\/lets-canada.com\/%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%85%e5%8b%99%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%85%e7%94%b3%e5%a0%b1%ef%bd%9c%e5%85%8d\/"},"modified":"2026-08-24T15:05:22","modified_gmt":"2026-08-24T15:05:22","slug":"%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%8e%e5%8a%a1%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%8e%e7%94%b3%e6%8a%a5%ef%bd%9c%e5%85%8d","status":"publish","type":"post","link":"https:\/\/lets-canada.com\/zh\/%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%8e%e5%8a%a1%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%8e%e7%94%b3%e6%8a%a5%ef%bd%9c%e5%85%8d\/","title":{"rendered":"\u52a0\u62ff\u5927\u7a0e\u52a1\u6307\u5357\uff082026\uff09\uff5c\u62a5\u7a0e\u3001SIN\u3001CRA\u3001TFSA\/RRSP 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\u4e0b\u8f7d<\/td>\n<\/tr>\n<tr>\n<td><strong>\u5404\u7c7b\u62b5\u6263\u51ed\u8bc1<\/strong><\/td>\n<td>\u5b66\u8d39\uff08T2202\uff09\u3001\u79df\u91d1\u3001\u533b\u7597\u3001\u6350\u6b3e\u7b49<\/td>\n<td>\u80fd\u4e0d\u80fd\u62b5\u3001\u62b5\u591a\u5c11\u4f9d\u7701\u4efd\u4e0e\u4e2a\u4eba\u72b6\u51b5\u4e0d\u540c\uff0c\u7559\u597d\u5355\u636e\u518d\u5224\u65ad<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u65f6\u95f4\u65b9\u9762\uff0c\u52a0\u62ff\u5927\u91c7\u7528\u5386\u5e74\u5236\uff0c\u6bcf\u5e74\u6625\u5929\u5904\u7406\u4e0a\u4e00\u4e2a\u7a0e\u5e74\u3002\u4ee5 2025 \u7a0e\u5e74\u4e3a\u4f8b\uff0c\u4f9d CRA \u516c\u5e03\uff0c\u4e00\u822c\u4e2a\u4eba\u7684\u62a5\u7a0e\u4e0e\u7f34\u7a0e\u622a\u6b62\u65e5\u662f <strong>2026 \u5e74 4 \u6708 30 \u65e5<\/strong>\uff1b\u81ea\u96c7\u8005\u7684\u201c\u7533\u62a5\u201d\u671f\u9650\u5ef6\u5230 <strong>2026 \u5e74 6 \u6708 15 \u65e5<\/strong>\uff0c\u4f46\u82e5\u6709\u5e94\u7f34\u7a0e\u6b3e\uff0c\u7f34\u6b3e\u4ecd\u987b\u5728 4 \u6708 30 \u65e5\u524d\u5b8c\u6210\u3002\u5728\u7ebf\u62a5\u7a0e\uff08NETFILE\uff09\u901a\u5e38\u5728 2 \u6708\u4e0b\u65ec\u5f00\u653e\u3002\u5bf9\u201c\u53bb\u5e74\u624d\u767b\u9646\u201d\u7684\u65b0\u79fb\u6c11\u6765\u8bf4\uff0c\u7b2c\u4e00\u6b21\u62a5\u7a0e\u5e38\u662f\u5728\u6210\u4e3a\u7a0e\u52a1\u5c45\u6c11\u7684\u9694\u5e74\u2014\u2014\u4f8b\u5982 2025 \u5e74\u5b9a\u5c45\uff0c\u7b2c\u4e00\u4efd\u62a5\u7a0e\u5c31\u662f\u5728 2026 \u5e74 4 \u6708 30 \u65e5\u524d\u5904\u7406 2025 \u7a0e\u5e74\u3002\u5b9e\u9645\u671f\u9650\u6bcf\u5e74\u53ef\u80fd\u5fae\u8c03\uff0c\u8bf7\u4ee5 CRA \u5b98\u65b9\u516c\u544a\u4e3a\u51c6\u3002<\/p>\n<h4>TFSA \u4e0e RRSP\uff1a\u522b\u6025\u7740\u5f00\u3001\u522b\u4e71\u585e<\/h4>\n<p>\u5230\u52a0\u62ff\u5927\u4e0d\u4e45\uff0c\u5e38\u4f1a\u88ab\u94f6\u884c\u67dc\u5458\u70ed\u60c5\u63a8\u9500\u5f00 TFSA \u6216 RRSP\u3002\u8fd9\u4e24\u4e2a\u8d26\u6237\u786e\u5b9e\u597d\u7528\uff0c\u4f46\u90fd\u6709\u201c\u8d44\u683c\u3001\u989d\u5ea6\u3001\u7f5a\u5219\u201d\uff0c\u76f2\u76ee\u5f00\u6237\u6216\u8d85\u989d\u5b58\u5165\uff0c\u53cd\u800c\u4f1a\u88ab\u8bfe\u7f5a\u6b3e\u3002\u5148\u641e\u61c2\u5dee\u522b\uff0c\u518d\u51b3\u5b9a\u8981\u4e0d\u8981\u5f00\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u6bd4\u8f83\u9879\u76ee<\/th>\n<th>TFSA\uff08\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff09<\/th>\n<th>RRSP\uff08\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6838\u5fc3\u7279\u6027<\/td>\n<td>\u8d26\u6237\u5185\u6295\u8d44\u6536\u76ca\u514d\u7a0e\uff0c\u63d0\u53d6\u4e5f\u514d\u7a0e<\/td>\n<td>\u5f53\u5e74\u5b58\u5165\u53ef\u62b5\u51cf\u5e94\u7a0e\u6536\u5165\uff0c\u9000\u4f11\u6216\u63d0\u53d6\u65f6\u624d\u8bfe\u7a0e<\/td>\n<\/tr>\n<tr>\n<td>\u9002\u5408\u60c5\u5883<\/td>\n<td>\u5f39\u6027\u50a8\u84c4\u3001\u7d27\u6025\u91d1\u3001\u6536\u5165\u8fd8\u4e0d\u9ad8\u65f6\u4f18\u5148<\/td>\n<td>\u6536\u5165\u8f83\u9ad8\u3001\u60f3\u538b\u4f4e\u5f53\u5e74\u7a0e\u8d1f\u3001\u957f\u671f\u9000\u4f11\u89c4\u5212<\/td>\n<\/tr>\n<tr>\n<td>\u989d\u5ea6\u600e\u4e48\u7b97<\/td>\n<td>\u6bcf\u5e74\u65b0\u589e\u5b9a\u989d\uff08\u89c1\u4e0b\u65b9\uff09\uff0c\u672a\u7528\u989d\u5ea6\u53ef\u7d2f\u79ef<\/td>\n<td>\u591a\u4ee5\u201c\u524d\u4e00\u5e74\u8d5a\u5f97\u6536\u5165\u7684 18%\u201d\u4e3a\u57fa\u7840\uff0c\u672a\u7528\u989d\u5ea6\u53ef\u7d2f\u79ef<\/td>\n<\/tr>\n<tr>\n<td>\u63d0\u53d6\u540e<\/td>\n<td>\u63d0\u53d6\u7684\u989d\u5ea6\u901a\u5e38\u9694\u5e74\u624d\u56de\u8865<\/td>\n<td>\u4e00\u822c\u9000\u4f11\u8d26\u6237\u63d0\u65e9\u63d0\u53d6\u8981\u8bfe\u7a0e\u3001\u4e14\u989d\u5ea6\u4e0d\u56de\u8865<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>TFSA 2026 \u5e74\u7684\u65b0\u589e\u989d\u5ea6\u4e3a 7,000 \u52a0\u5143<\/strong>\uff0c\u8fd9\u5df2\u662f\u8fde\u7eed\u7b2c\u4e09\u5e74\u7ef4\u6301 7,000\uff1b\u5bf9 2009 \u5e74\u8d77\u5373\u7b26\u5408\u8d44\u683c\u3001\u4e14\u4ece\u672a\u5b58\u8fc7\u7684\u4eba\uff0c\u7d2f\u79ef\u53ef\u7528\u989d\u5ea6\u5df2\u8fbe\u76f8\u5f53\u53ef\u89c2\u7684\u6c34\u51c6\u3002\u4f46\u8981\u7279\u522b\u6ce8\u610f\uff1a<strong>TFSA \u989d\u5ea6\u770b\u7684\u662f\u4f60\u201c\u6210\u4e3a\u52a0\u62ff\u5927\u7a0e\u52a1\u5c45\u6c11\u4e4b\u540e\u201d\u7684\u5e74\u5ea6<\/strong>\uff0c\u843d\u5730\u524d\u7684\u5e74\u4efd\u4e0d\u4f1a\u5e2e\u4f60\u7d2f\u79ef\uff0c\u6240\u4ee5\u65b0\u79fb\u6c11\u5343\u4e07\u522b\u8bef\u4ee5\u4e3a\u81ea\u5df1\u4e00\u5f00\u6237\u5c31\u6709\u5341\u51e0\u4e07\u7684\u7a7a\u95f4\u3002RRSP \u5219\u662f\u4ee5\u201c\u524d\u4e00\u5e74\u8d5a\u5f97\u6536\u5165\u7684 18%\u201d\u4e3a\u57fa\u7840\u3001\u8bbe\u6709\u5e74\u5ea6\u4e0a\u9650\uff0c\u518d\u52a0\u4e0a\u5386\u5e74\u672a\u7528\u989d\u5ea6\u3001\u6263\u9664\u9000\u4f11\u91d1\u8c03\u6574\u7b49\u3002\u5404\u5bb6\u5a92\u4f53\u5bf9 2026 \u5e74\u7684\u201c\u5e74\u5ea6\u4e0a\u9650\u91d1\u989d\u201d\u62a5\u9053\u4e0d\u4e00\u81f4\uff0c\u4e14\u8fd9\u4e2a\u5929\u82b1\u677f\u53ea\u5bf9\u9ad8\u6536\u5165\u8005\u624d\u4f1a\u771f\u6b63\u89e6\u9876\uff0c\u5bf9\u591a\u6570\u65b0\u79fb\u6c11\u5176\u5b9e\u7528\u4e0d\u5230\u3002<strong>\u4e0e\u5176\u8bb0\u4e00\u4e2a\u53ef\u80fd\u6709\u51fa\u5165\u7684\u6570\u5b57\uff0c\u4e0d\u5982\u76f4\u63a5\u770b\u4f60\u81ea\u5df1\u7684\u6838\u5b9a\u901a\u77e5\uff08Notice of Assessment\uff09\u6216 CRA My Account<\/strong>\uff0c\u4e0a\u9762\u5199\u7684\u4e2a\u4eba\u53ef\u7528\u989d\u5ea6\u624d\u662f\u51c6\u7684\u3002<\/p>\n<p>\u8fd9\u91cc\u4e5f\u63d0\u9192\u65b0\u624b\u6700\u5e38\u89c1\u7684\u4e24\u4e2a\u5730\u96f7\uff1a\u7b2c\u4e00\uff0c\u628a\u201c\u5168\u56fd\u7d2f\u79ef\u4e0a\u9650\u201d\u5f53\u6210\u81ea\u5df1\u7684\u53ef\u7528\u989d\u5ea6\uff0c\u7ed3\u679c\u8d85\u989d\u5b58\u5165\u88ab\u7f5a\u6b3e\u2014\u2014\u4f60\u7684\u53ef\u7528\u989d\u5ea6\u4e00\u5f8b\u4ee5 CRA My Account \u4e3a\u51c6\uff1b\u7b2c\u4e8c\uff0c\u521a\u5230\u52a0\u62ff\u5927\u3001\u6536\u5165\u8fd8\u5f88\u4f4e\u5c31\u5148\u51b2 RRSP\uff0c\u4f46 RRSP \u7684\u62b5\u7a0e\u6548\u679c\u5728\u6536\u5165\u8f83\u9ad8\u65f6\u624d\u5212\u7b97\uff0c\u4f4e\u6536\u5165\u65f6\u4f18\u5148\u7528 TFSA \u901a\u5e38\u66f4\u5f39\u6027\u3002<\/p>\n<p>\u90a3\u4ec0\u4e48\u65f6\u5019\u8be5\u627e\u4e13\u4e1a\u4eba\u58eb\uff1f\u5927\u90e8\u5206\u5355\u7eaf\u7684\u53d7\u96c7\u3001\u7559\u5b66\u751f\u60c5\u5883\uff0c\u7528 CRA \u8ba4\u8bc1\u7684\u62a5\u7a0e\u8f6f\u4ef6\u81ea\u5df1\u8dd1 NETFILE \u5c31\u80fd\u5b8c\u6210\u3002\u4f46\u9047\u5230\u4ee5\u4e0b\u60c5\u51b5\uff0c\u82b1\u70b9\u94b1\u627e\u5408\u683c\u4f1a\u8ba1\u5e08\u6216\u62a5\u7a0e\u4e13\u4e1a\u4eba\u58eb\uff0c\u901a\u5e38\u6bd4\u4e8b\u540e\u8865\u6551\u4fbf\u5b9c\uff1a\u6709\u81ea\u96c7\uff0ffreelance \u6536\u5165\u3001\u6216\u540c\u65f6\u6709\u591a\u4e2a\u6536\u5165\u6765\u6e90\uff1b\u6301\u6709\u6d77\u5916\u8d44\u4ea7\u3001\u6d77\u5916\u6536\u5165\uff0c\u6216\u79fb\u6c11\u524d\u540e\u8de8\u5e74\u5ea6\u7684\u6536\u5165\u9700\u8981\u5398\u6e05\uff1b\u6709\u6295\u8d44\u4e70\u5356\u4ea7\u751f\u7684\u8d44\u672c\u5229\u5f97\uff0f\u635f\u5931\uff0c\u6216\u5bb6\u5ead\u72b6\u51b5\u8f83\u590d\u6742\uff08\u629a\u517b\u3001\u914d\u5076\u6536\u5165\u60ac\u6b8a\u7b49\uff09\uff1b\u4ee5\u53ca\u7a0e\u52a1\u5c45\u6c11\u8eab\u4efd\u672c\u8eab\u5c31\u96be\u5224\u5b9a\uff08\u4f8b\u5982\u4e00\u5e74\u5185\u8fdb\u51fa\u52a0\u62ff\u5927\u3001\u4e0e\u591a\u56fd\u6709\u8054\u7cfb\uff09\u7684\u60c5\u51b5\u3002<\/p>\n<p>\u6700\u540e\u8981\u5f3a\u8c03\u7684\u662f\uff0c\u7a0e\u52a1\u89c4\u5219\u3001\u989d\u5ea6\u3001\u671f\u9650\u4e0e\u798f\u5229\u8d44\u683c\u6bcf\u5e74\u90fd\u53ef\u80fd\u8c03\u6574\uff0c\u7701\u4e0e\u7701\u4e4b\u95f4\u7684\u7ec6\u8282\u4e5f\u4e0d\u540c\u3002\u672c\u7bc7\u6574\u7406\u7684\u662f\u201c\u987a\u5e8f\u4e0e\u89c2\u5ff5\u201d\uff0c\u5e2e\u4f60\u77e5\u9053\u5148\u786e\u8ba4\u8eab\u4efd\u3001\u518d\u51c6\u5907\u6587\u4ef6\u3001\u6700\u540e\u5904\u7406\u8d26\u6237\u4e0e\u62a5\u7a0e\uff1b\u81f3\u4e8e\u4f60\u4e2a\u4eba\u7684\u786e\u5207\u989d\u5ea6\u3001\u53ef\u7533\u8bf7\u7684\u8865\u52a9\u4e0e\u9002\u7528\u7a0e\u7387\uff0c\u8bf7\u52a1\u5fc5\u4ee5 CRA \u5b98\u65b9\u9875\u9762\u3001\u4f60\u7684\u6838\u5b9a\u901a\u77e5\u4e0e CRA My Account \u4e3a\u51c6\uff0c\u6d89\u53ca\u6d77\u5916\u8d44\u4ea7\u6216\u8eab\u4efd\u5224\u5b9a\u65f6\u66f4\u5efa\u8bae\u76f4\u63a5\u627e\u4e13\u4e1a\u4eba\u58eb\u3002\u4e5f\u522b\u5fd8\u4e86\uff1a\u65b0\u79fb\u6c11\u7b2c\u4e00\u5e74\u5373\u4f7f\u6ca1\u6709\u6536\u5165\uff0c\u901a\u5e38\u4e5f\u5efa\u8bae\u7167\u6837\u62a5\u7a0e\uff0c\u56e0\u4e3a\u8fd9\u662f\u7ef4\u6301 GST\/HST \u9000\u7a0e\u7b49\u798f\u5229\u7684\u4f9d\u636e\uff0c\u4e0d\u62a5\u7a0e\u7b49\u4e8e\u653e\u5f03\u53ef\u4ee5\u5b9e\u9645\u9886\u5230\u7684\u8865\u52a9\u3002\u60f3\u628a\u843d\u5730\u540e\u7684\u751f\u6d3b\u6d41\u7a0b\u4e00\u6b21\u4e32\u8d77\u6765\uff0c\u53ef\u4ee5\u63a5\u7740\u770b\u6211\u4eec\u7684<a 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