This thing keeps telling me I need to upgrade although I've checked nothing that has the "lock" icon. All I have is a T4 and RRSP/TFSA contribution...

The investments screen says at the top that things with the lock icon require an upgrade, I've chosen none of those items yet it still tells me I need to upgrade.

Seniors and students

What is on the T4? There are several boxes on the T4 that are not supported by the Free version of TurboTax Online, and box 81, 82 or 83 would require the Self-Employed version.