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Canadian tax calculators for investors

Adjusted cost base, capital gains, CRA superficial loss, RSU/ESPP equity compensation, and spin-off/split cost-base math — the tools every Canadian investor reaches for at least once a year. All run entirely in your browser, no sign-in required.

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Adjusted cost base (ACB) calculator
Log buys, sells, DRIPs, return of capital, and splits for one holding and track your running ACB per share and pool.
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Capital gains & loss calculator
Enter proceeds, ACB, and selling costs to get your capital gain, the taxable half, and an estimated tax bill.
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Superficial loss calculator
Check whether a sale and repurchase falls inside the 30-day window, and find your safe rebuy date.
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RSU & ESPP ACB calculator
RSU vests, ESPP discounts, and option exercises: your T4 employment benefit and the FMV cost base the CRA expects.
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Spin-off & split ACB calculator
Allocate cost base after a spin-off, adjust for splits, and carry ACB through mergers — including the taxable gain on cash consideration.
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Crypto capital gains & ACB calculator
Pool your crypto cost base, get the taxable gain on a sale, and see why a coin-to-coin swap is a taxable disposition even without cashing out.
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Norbit's Gambit calculator
See your effective CAD-to-USD rate via DLR/DLR.U, compare savings vs. broker FX spread, and get the capital gain or loss for Schedule 3.
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USD/CAD converter (BoC rates)
Convert at today's Bank of Canada noon rate, look up any historical date, or batch-convert a year of trades at once.
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Income tax calculator
Federal and provincial tax on employment income, capital gains, and dividends. All 13 provinces and territories, 2024–2026.
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Dividend tax calculator
See the actual tax on eligible and non-eligible dividends after the gross-up and dividend tax credit mechanism. Compare to salary/interest.
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RRSP vs TFSA calculator
Compare after-tax value based on your current and retirement income, province, and time horizon. Includes FHSA for first-time buyers.
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Capital gains inclusion rate
See how the 50% / 66.67% tiered inclusion rate applies to your gains, the blended effective rate, and estimated tax.
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Tax-loss harvesting simulator
Calculate tax savings from crystallizing losses, get substitute ETF suggestions, and see the 30-day timeline and year-end deadline.
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Foreign withholding tax calculator
Compare RRSP, TFSA, and non-registered for US/foreign dividends. See which account loses withholding permanently vs. recovers it via FTC.
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In-kind transfer calculator
Deemed gain on transfers to TFSA/RRSP, denied losses, contribution room used, and the alternative strategy for losing positions.
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Merger & takeover ACB calculator
All-cash, all-shares (section 85.1 rollover), or mixed cash-plus-shares deals — get the proportional allocation and new share ACB.
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Donate securities calculator
See how much you save by donating appreciated stocks in-kind (0% inclusion rate) vs. selling and donating cash.
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DRIP ACB reconstructor
Rebuild your cost base from years of dividend reinvestments. Enter each DRIP purchase to find the ACB you lost track of.
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Not tax or legal advice. Always confirm capital gains reporting with a qualified accountant. · Made with love in Canada 🇨🇦
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