Accessibility Renovation Tax Rebate Calculator — Toronto

How this calculator works

Home Accessibility Tax Credit (HATC) — A federal credit for permanent renovations that improve accessibility or reduce injury risk. Available for seniors 65 or older, or anyone holding a Disability Tax Credit. The maximum claim is $20,000 × 15% = $3,000 federal relief.

Medical Expense Tax Credit (METC) — A federal credit covering medically necessary home modifications. Requires a Disability Tax Credit or physician certification. The calculation is income-tested — this calculator gives a rough estimate only.

Ontario Seniors Care at Home Tax Credit (OSCAH) — A provincial refundable credit for Ontario seniors 70 or older. "Refundable" means it's paid directly even if you have no tax owing. The maximum is $6,000 × 25% = $1,500, phased out as household income rises.

For the full explanation of each program, see our 2026 bathroom renovation tax credits article →

What's not included in this estimate

• Other medical expenses that change your METC base
• The federal Multigenerational Home Renovation Tax Credit (MHRTC), which targets secondary-suite construction for family members — not modeled here
• Provincial programs outside Ontario
• Exact CRA interpretation of every line item on your specific invoice
• Fines, interest, or penalties — this is a planning estimate only

When to consult a tax professional

Before you finalize financing or timing for your renovation, confirm eligibility, stacking rules, and dollar amounts with a qualified tax professional or the CRA. Our team structures invoices to describe accessibility work clearly; your accountant decides how claims are filed.