Toronto is Canada's largest city (~6.5M metro) and economic center, with a Polish community of ~250k and popular sectors for Poles including construction, transportation (truck driver), healthcare, finance, IT, and restaurants, with average salaries in 2026 ranging from minimum wage ON $17.20/h to ~$65-75k CAD for full-time jobs.
Credit score in Canada: 300-900, managed by Equifax and TransUnion (2 bureaus, similar to the USA). Good: 660+. Very good: 720+. Excellent: 760+. Required for: loans, mortgages, rentals, some jobs. Polish immigrants start with a null score — key building strategy: secured credit card (deposit $200-500), Canadian bank account, phone plan in their name, regular utility payments (sometimes reported). Impact on score: payment history (35%), credit utilization (30%), length of credit history (15%), credit mix (10%), new credit applications (10%). FREE check: Borrowell, Credit Karma Canada, Equifax monthly tools. Dispute errors online. NEW from PR: Newcomer credit programs from banks (RBC, Scotiabank, TD) — special secured cards + no fees first year + credit building support.
CRA (Canada Revenue Agency) zarządza federalnymi podatkami w Kanadzie. Tax year = kalendarzowy (1 sty - 31 gru). Deadlines: 30 kwietnia general (filing + payment), 15 czerwca self-employed (filing only, payment wciąż 30 kwietnia). T4 (employer pension slip) wymagany do 28 lutego. Stawki 2024: federal 15-33%, prowincjalne (Ontario 5.05-13.16%, BC podobnie). Personal Basic Amount $15 705 (2024). Tax-advantaged accounts: TFSA (Tax-Free Savings Account, $7 000/rok limit 2024 — withdrawals tax-free), RRSP (Registered Retirement Savings Plan, 18% income do limit — tax-deferred). Free filing options: TurboTax Free, Wealthsimple Tax, StudioTax. Polish citizens — polish income reportowany w Kanadzie jeśli tax resident.