Tax Planning

Capital Gains Tax Calculator

Calculate your 2026 capital gains tax in Canada, then model loss harvesting, sell-now versus sell-later timing, and staged sales across two tax years.

Basic and Advanced modes2026 policy stampLoss harvesting and staged-sale planning

Shared Inputs

Estimate the Tax Cost of a Sale

Basic mode gives you the fast answer: gain, taxable amount, estimated tax, and after-tax proceeds. Advanced mode keeps those visible and layers in timing and harvesting strategy.

Sale Price ($)Adjusted Cost Base ($)Selling Costs / Commissions ($)Account TypeProvinceYour Marginal Tax Rate (%)

Suggested Ontario rate at about $100,000 of income: 29.6%

Other Gains Already Realized This Year ($)

Inclusion Rate: 50.0%

Current coded policy uses a 50% inclusion rate - last reviewed April 2026

Enter your sale price and adjusted cost base to begin.

Model the full tax cost of converting growth holdings to income →Verify your marginal tax rate →

Capital gains tax estimates are based on the inputs you provide and simplified bracket calculations. The current coded inclusion-rate assumption is 50%, and policy-sensitive values should be verified before filing. Superficial loss rules, corporate tax treatment, and RRSP or TFSA account rules are not fully modeled. This is not licensed tax or financial advice. Consult a qualified tax professional before making any disposition decisions.

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Educational context

Capital Gains Tax in Canada

Capital gains tax matters most when selling non-registered investments, rebalancing, or converting a portfolio from growth to income.

What is the capital gains inclusion rate in Canada?

The inclusion rate determines what share of a capital gain is taxable. The applicable structure depends on the rules in force at the time of sale.

How do I calculate my capital gain on a stock sale?

Generally, capital gain equals proceeds of disposition minus adjusted cost base and eligible selling costs.

Are capital gains taxed inside a TFSA or RRSP?

Registered accounts do not usually apply non-registered capital gains treatment in the same way, but each account type has its own tax consequences.

What is the capital gains exemption in Canada?

Certain exemptions exist for specific asset types, but they do not generally apply to regular public-market portfolio investing.

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If this calculator answered one part of the question, these tools help you test the next decision without leaving the same planning context.

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Federal and provincial combined tax brackets for every province.

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Freshness and methodology

Last reviewed

April 2026 with 2026 CRA planning inputs.

Methodology

Inclusion-rate assumptions reflect the current coded 50% treatment after the proposed higher rate was cancelled. Re-verify policy-sensitive values before filing.

Source

CRA official reference →

Updated for 2026 CRA limits · Last verified April 2026

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