Nail your ACB — from broker import to a filed return.
Sched3 is Canadian capital gains tax software that pools your adjusted cost base across every broker, catches superficial losses before they cost you, reconciles your T5008 slips, and builds a CRA-ready Schedule 3 package.
Import from Wealthsimple, Questrade, IBKR, TD, RBC and National Bank. Sched3 converts foreign-currency trades at Bank-of-Canada rates, links option premiums through expiry, exercise or assignment, applies ETF return-of-capital, DRIP and crypto adjustments, and flags 30-day superficial-loss repurchases — then hands you a locked, filing-ready package for you or your accountant.
Direct Investing
Direct Investing
One engine, from raw trades to a filed return
Most ACB tools stop at a number on a dashboard. Sched3 runs the whole path the CRA actually cares about — and never fakes the tax math along the way.
Your broker's "book value" isn't your ACB.
DRIPs, transfers between brokers, USD trades, ETF return-of-capital, and superficial losses all change your true adjusted cost base — and most broker statements don't track any of it. Sched3 pools your holdings across every taxable account and calculates the number the CRA actually expects.
Built for how you actually invest
Every portfolio breaks the rules in its own way. Pick yours.
Phantom distributions and return of capital, applied for you
ETFs quietly move your cost base twice a year — reinvested distributions push ACB up, return of capital pulls it down. Miss either and your eventual gain is wrong. Sched3 looks up the per-fund factors and applies them to your units.
Every USD trade converted the way the CRA expects
US-dollar trades must be reported in CAD using rates applicable to each acquisition, disposition, and outlay. Sched3 records the rate evidence and blocks incomplete workpapers.
The $0-cost-base double tax, avoided
RSU vests are taxed as income — so your cost base is the vest-day value, not zero. Brokers rarely record that, and thousands of tech employees pay tax twice. Sched3 sets the right cost base at vest, exercise, and purchase.
Every swap is a disposition — priced in CAD
The CRA treats crypto as property: crypto-to-crypto trades, spending, and converting are all taxable events. Sched3 pools your coins the same way it pools your stocks — one ACB per asset, valued in CAD at each event.
High volume without the year-end panic
Hundreds of trades across brokers means superficial-loss windows overlapping everywhere and a T5008 stack that never matches. Sched3 reconciles all of it and shows the CRA-risk signals that matter to frequent traders.
Cost-base rebuilds become a review step
Instead of rebuilding each client's ACB from a shoebox of slips, send them an import link, let Sched3 pool and reconcile everything, and review a filing-ready package under your firm's branding.
What makes Sched3 different
The only Canadian tool that pools ACB across brokers, integrates directly with filing software, and handles the asset classes others ignore.
Core tracking
Advanced
From messy statements to an accountant-ready package
Not just a tax-season app
Stay tax-ready all year — before you trade, during rebalancing, and when the slips finally arrive.
From reconciled trades to TaxCycle — one handoff, not a re-type.
Stop rebuilding cost base from a shoebox of slips and re-keying the result into your filing software. Sched3 does the ACB math for every client and produces a package built to move into your tax software, with control totals that reconcile on both sides.
Compatibility is version-specific and shown honestly inside the product before every download — TaxCycle direct import is in active validation.
Import your broker files, let Sched3 apply every adjustment the CRA expects, and file with confidence — or hand your accountant a package that cuts their billable hours.
Send clients an import link, get pooled, reconciled ACB for every engagement, and deliver branded, filing-ready packages from one multi-client dashboard.
Simple annual pricing
Taxes happen every year — so does your subscription.
Multi-client dashboard, client import links, bulk import, and firm-branded reports. Pricing is being shaped with early-access firms right now.