{"id":680,"date":"2026-10-29T00:04:43","date_gmt":"2026-10-29T04:04:43","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=680"},"modified":"2026-10-29T00:04:43","modified_gmt":"2026-10-29T00:04:43","slug":"deductions-vs-credits-which-saves-you-more","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/deductions-vs-credits-which-saves-you-more\/","title":{"rendered":"D\u00e9ductions ou cr\u00e9dits\u00a0: lequel vous permet d\u2019\u00e9conomiser le plus\u00a0?"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"680\" class=\"elementor elementor-680\">\n\t\t\t\t<section class=\"elementor-element elementor-element-5ec361c e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"5ec361c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5ec361c\">\n    <div class=\"elementor-element elementor-element-f7c4826 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"f7c4826\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f7c4826\">\n    <article class=\"elementor-element elementor-element-f297a8d e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"f297a8d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f297a8d\">\n    <div class=\"elementor-element elementor-element-fb2d836 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"fb2d836\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fb2d836\">\n    <div class=\"elementor-element elementor-element-e402939 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"e402939\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e402939\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"da38e7d\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"5493959\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"92e6758\">\n\tOptimisation fiscale\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-6f3e0ae e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"6f3e0ae\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6f3e0ae\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"3479c69\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e256f79\">Article 2 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"9a9f1a6\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"76998c0\" class=\"title-lg e-heading-base e-default-h1\">D\u00e9ductions ou cr\u00e9dits\u00a0: lequel vous permet d\u2019\u00e9conomiser le plus\u00a0?<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"9de3cce\" id=\"21\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-41.webp 1600w\" alt=\"Illustration for the article: Bank Fees: What You Pay and How to Reduce Them\"\/>\t\t<div class=\"elementor-element elementor-element-996e2bb e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"996e2bb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"996e2bb\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"ad95975\">Les d\u00e9ductions et les cr\u00e9dits d&#039;imp\u00f4t permettent tous deux de r\u00e9duire votre imp\u00f4t, mais leur fonctionnement diff\u00e8re. Comprendre cette diff\u00e9rence vous aidera \u00e0 \u00e9tablir vos priorit\u00e9s.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"7067dc4\" class=\"prose-heading e-heading-base e-default-h2\">D\u00e9ductions : r\u00e9duisez votre revenu imposable<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-6df35c5 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"6df35c5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6df35c5\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"9aefaf2\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"f6b522f\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"b29a654\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-70eb367 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"70eb367\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"70eb367\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"c31f588\">\n\tChoisissez Premium\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"6afaffc\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-985a475 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"985a475\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"985a475\">\n    <a class=\"elementor-element elementor-element-969ee03 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"969ee03\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"969ee03\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/how-canadian-income-tax-works-and-what-tax-optimization-really-means\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"025a471\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"81ed8f4\">Comment fonctionne l\u2019imp\u00f4t sur le revenu au Canada (et ce que signifie r\u00e9ellement \u201c l\u2019optimisation fiscale \u201d)<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-29c03a1 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"29c03a1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"29c03a1\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/the-rrsp-as-a-tax-tool\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"b8d81cc\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"af589c3\">Le REER comme outil fiscal<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-eb5a611 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"eb5a611\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"eb5a611\">\n    <div class=\"elementor-element elementor-element-12b4cd3 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"12b4cd3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"12b4cd3\">\n    <div class=\"elementor-element elementor-element-b5a6366 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"b5a6366\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b5a6366\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"38f3be7\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"1113e5d\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-dd71b6d e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"dd71b6d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dd71b6d\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/how-canadian-income-tax-works-and-what-tax-optimization-really-means\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"1851634\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"6cd8aa0\">Comment fonctionne l\u2019imp\u00f4t sur le revenu au Canada (et ce que signifie r\u00e9ellement \u201c l\u2019optimisation fiscale \u201d)<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-df70e92 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"df70e92\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"df70e92\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/deductions-vs-credits-which-saves-you-more\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"341fbc6\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"6cb4e9b\">D\u00e9ductions ou cr\u00e9dits\u00a0: lequel vous permet d\u2019\u00e9conomiser le plus\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e2a6af4 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"e2a6af4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e2a6af4\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/the-rrsp-as-a-tax-tool\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"04232fe\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"5e5efdb\">Le REER comme outil fiscal<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f70e39e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f70e39e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f70e39e\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/tfsa-and-fhsa-tax-free-growth-used-wisely\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"63f5f49\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4a4bcd8\">CELI et CELIAPP : une croissance \u00e0 l&#039;abri de l&#039;imp\u00f4t, bien utilis\u00e9e<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-297576a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"297576a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"297576a\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/student-tax-tips-credits-that-pay-off-later\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"5435059\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f879c78\">Conseils fiscaux pour \u00e9tudiants\u00a0: des cr\u00e9dits qui portent leurs fruits plus tard<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-32dc769 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"32dc769\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"32dc769\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/new-to-canada-tax-essentials-for-newcomers\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"76ca724\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3240cb7\">Vous venez d&#039;arriver au Canada\u00a0? Les notions fiscales essentielles pour les nouveaux arrivants<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-511c555 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"511c555\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"511c555\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/professionals-tax-moves-for-employees-and-the-self-employed\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"4f98192\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d295f1d\">Professionnels\u00a0: Mesures fiscales pour les salari\u00e9s et les travailleurs ind\u00e9pendants<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7730531 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7730531\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7730531\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/how-your-investments-are-taxed\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"3e548a5\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"6b03e0f\">Comment vos investissements sont impos\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-46293f1 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"46293f1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"46293f1\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/pre-retirees-keep-more-of-your-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e110dcf\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"b41b102\">Pr\u00e9retrait\u00e9s\u00a0: conservez une plus grande partie de vos revenus de retraite<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-3ac6b9e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"3ac6b9e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3ac6b9e\" href=\"https:\/\/gmat40.com\/fr\/topics\/tax-optimization\/credits-benefits-and-common-filing-mistakes\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a8a70f2\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"89f3682\">Cr\u00e9dits d&#039;imp\u00f4t, avantages sociaux et erreurs courantes de d\u00e9claration<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"132550c\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Tax Optimization Premium Article 2 of 10 2 min read Deductions vs. Credits: Which Saves You More? 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