The CRA requires you to pool identical property across all your non-registered accounts — but each broker only sees its own book value. Transfer shares between Wealthsimple and Questrade, hold VFV at both, or share a household with another investor filing jointly, and no single statement is correct anymore. Sched3 merges them all into one true cost base.
Bring in your CSVs from Wealthsimple, Questrade, IBKR, TD, RBC, and National Bank — Sched3 keeps each account separate but pools the ACB across all of them.
Same security across multiple taxable accounts? Sched3 treats it as one pool, averaging your total cost across all shares you own — exactly as the CRA requires. In-kind transfers between brokers don't change your ACB; we just move the shares.
When you sell from Questrade, the gain is calculated using the pooled ACB across all your accounts — not Questrade's isolated book value. The correct number flows to your Schedule 3.
Each of these common scenarios produces a wrong gain if you rely on a single broker's cost data.
If you and your spouse both hold the same stock in your individual taxable accounts, those are separate pools — they're different taxpayers. But if one spouse transfers shares to the other, attribution rules apply. Sched3 tracks each individual's pool separately while flagging transfers that trigger attribution, so nobody double-counts or misses a gain.
Multi-account pooling is included from the Investor plan. Household-level pooling (spouses and dependents) is on the Active plan.
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Yes. The CRA's identical-property rule (section 47) requires you to average the cost of all identical shares you own across all non-registered accounts. It doesn't matter that they're at different brokers — if you own XEQT at Wealthsimple and XEQT at Questrade, they're one pool for tax purposes.
Registered accounts are excluded from pooling — only non-registered (taxable) accounts are pooled together. However, registered account transactions can still trigger the superficial-loss rule if you sell at a loss in your taxable account and rebuy in your TFSA within 30 days.
An in-kind transfer between your own accounts is not a disposition — your ACB carries over unchanged. The problem is that the receiving broker often shows $0 or market-value-at-transfer as the cost, which is wrong. Sched3 tracks the transfer as a movement of shares, not a sale, so your pooled ACB stays correct.
Yes. Each individual gets their own portfolio and pool. Sched3 tracks them independently but flags inter-spousal transfers that require ACB carryover or trigger attribution. You can manage a household from one login while keeping each taxpayer's position clean.
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