Check whether a repurchase falls inside the CRA's 30-day superficial loss window around a Canadian stock sale at a loss, and find the safe date to rebuy without losing the deduction.

Sale & repurchase

Date you sold at a loss

Did you (or your spouse, or a corp/trust you control) buy it back?

Repurchase date

Loss amount (optional)

If the sale is superficial, this is what gets added back to your ACB instead of deducted.

Enter a repurchase date to check.

If you're not buying it back, there's no superficial loss risk — the loss is fully deductible.

30-day window around your sale

Jul 20, 2026

Sale date

Sep 18, 2026

Window opens

Jul 20, 2026

Window closes

Sep 18, 2026

Safe rebuy date

Sep 19, 2026

The rule: buy the same or identical property within 30 days before or after the sale (in any account you or an affiliated person controls, including a TFSA/RRSP) and still hold it 30 days after the sale — the CRA denies the loss and adds it to the ACB of the shares you still hold. Not tax advice.

Never accidentally trigger a superficial loss

Sched3 monitors your 30-day windows in real time — before you trade. It flags potential superficial losses across all your accounts, including affiliated persons, so you never lose a deduction.

Start free Learn more

No credit card required

Sched3

Canadian capital-gains and adjusted-cost-base software for investors and accountants.

Product

ACB tracking Multi-broker pooling Capital gains software Options & covered calls Superficial-loss tracker T5008 reconciliation T1135 foreign property T3 & ETF adjustments Equity compensation Crypto tax Corporate actions USD/CAD & foreign currency conversion Schedule 3 export Integrations

Calculators

ACB calculator Capital gains calculator Superficial loss calculator Income tax calculator RRSP vs TFSA calculator Dividend tax calculator Tax-loss harvesting Withholding tax Currency converter (USD/CAD & more)All calculators

Guides

All tax guides Capital gains tax Canada Superficial loss rule RRSP vs TFSA Which account to use ETF tax efficiency RSU tax in Canada How to fill Schedule 3 2026 tax brackets Blog

By broker

Questrade tax guide Wealthsimple tax guide Interactive Brokers tax guide TD Direct tax guide RBC Direct tax guide CIBC Investor's Edge Webull Canada tax guide All broker guides