Tax · Canada
Multigenerational home renovation tax credit calculator.
The federal REFUNDABLE credit for renovating a home to add a self-contained secondary unit so a senior or a person eligible for the disability tax credit can live with a relative.
CRA's own current published rate is 14.5% of qualifying renovation costs, up to $50,000 in costs — a maximum credit of $7,250 per qualifying renovation. Unlike most credits, it's refundable: you can get money back even if you owe no tax.
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Refundable credit
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Who qualifies
The renovation must create a self-contained secondary unit with a private entrance, kitchen, bathroom and sleeping area, allowing a qualifying individual — a senior aged 65 or older, or a person eligible for the disability tax credit — to live with a qualifying relation (a parent, child, grandparent, grandchild, sibling, aunt, uncle, niece or nephew, by blood, marriage, common-law partnership or adoption). Either the qualifying individual or the qualifying relation can be the one claiming the credit.
The formula
CRA's own line 45355 page (fetched 27 September 2026) states the rate as: 14.5% of qualifying renovation costs, up to $50,000 in costs per qualifying renovation — a maximum credit of $7,250. Because federal credit rates tied to the lowest personal tax bracket have moved in each of the last two tax years (15% in 2023–2024, 14.5% for part of 2025, 14% from 2026 onward on other credits already verified on this site), confirm the exact rate CRA is applying for the specific tax year you're filing before relying on this figure — this tool uses CRA's currently published number as fetched, not an assumption carried over from another credit.
Unlike the tuition or donation credits on this site, this one is refundable: if the credit is larger than the tax you owe, CRA pays you the difference.
Source, fetched 27 September 2026: CRA — Line 45355: Multigenerational home renovation tax credit (MHRTC).
Frequently asked questions
Is this the same as a basement apartment renovation?
Only if that basement apartment meets the "self-contained secondary unit" test (private entrance, kitchen, bathroom, sleeping area) AND is being built specifically to house a qualifying senior or DTC-eligible individual with a qualifying relative. A basement reno for a tenant or for general use doesn't qualify.
Who actually claims the credit — the senior or the relative?
Either the qualifying individual (the senior or DTC-eligible person) or the qualifying relation who lives with them can claim it, but only one claim is made per qualifying renovation.
Does GST/HST paid on the renovation count toward the $50,000?
This tool does not verify which specific costs CRA includes or excludes (e.g. sales tax treatment, DIY labour, or appliances) — confirm your exact eligible cost total against CRA's detailed guidance or a tax professional before filing.
Can I combine this with a provincial renovation credit?
Possibly — several provinces run their own separate secondary-suite or renovation programs. This tool calculates the federal credit only.
Estimate only — federal credit, not tax advice
This tool calculates the FEDERAL Multigenerational Home Renovation Tax Credit only, using CRA's currently published rate and cap as fetched 27 September 2026. It does not verify qualifying-individual or qualifying-relation eligibility, does not determine which specific expenses count as "qualifying expenditures," and does not calculate any provincial renovation program. Confirm your eligibility and exact costs with CRA or a tax professional before filing.