US stocks and Canadian tax

Holding US shares as a Canadian adds one relentless requirement: everything gets converted to Canadian dollars, on the right date, every time.

Updated July 2026 · 6 min read

Everything is in Canadian dollars

Your Canadian return is in CAD, so every US-dollar transaction must be converted. You buy at the exchange rate on the purchase date and sell at the rate on the sale date — using the rates that applied then, not one annual average and not today’s rate. The Bank of Canada daily rate is an accepted source.

FX is a second source of gain. A US stock flat in USD can still produce a Canadian capital gain or loss purely from currency movement between buy and sell, because your CAD cost base and CAD proceeds differ.

US dividends and withholding tax

US dividends are fully taxable in Canada (no dividend tax credit — that’s for Canadian dividends). The US typically withholds 15% under the treaty in a non-registered account, and you can usually claim a foreign tax credit to avoid double taxation. In an RRSP, US withholding on US dividends is generally exempt by treaty; in a TFSA it’s usually not recoverable.

Cost base in CAD

Your ACB for US shares is tracked in Canadian dollars, converted at each purchase. Pool identical US shares just like Canadian ones. Doing this by hand means a rate lookup for every buy, sell, and reinvested dividend — the tedium that makes US holdings error-prone at tax time.

A note on US estate tax

Large holdings of US-situs assets (including US-listed stocks) can expose a Canadian to US estate tax on death above certain thresholds. It’s beyond income-tax filing, but worth knowing if your US holdings are substantial — a reason to get cross-border advice.

Frequently asked

How are US stocks taxed for Canadians?

Gains and losses are calculated in Canadian dollars by converting each trade at the exchange rate on its date, then reported on Schedule 3. US dividends are fully taxable, usually with 15% US withholding you can claim as a foreign tax credit in a non-registered account.

Do I pay tax on currency gains from US stocks?

Effectively yes. Because your cost base and proceeds are both converted to CAD, currency movement between buying and selling changes your Canadian capital gain even if the stock’s US-dollar price didn’t move.

Is US dividend withholding tax recoverable?

In a non-registered account you can generally claim a foreign tax credit for the 15% withheld. In an RRSP, US withholding on US dividends is generally exempt by treaty; in a TFSA it’s usually not recoverable.

Keep reading
Reporting USD trades on your Canadian returnNorbit's Gambit: how it works and how it's taxedForeign withholding tax

Educational information, not tax advice. Rules summarized here can change and may not fit your situation — always confirm your capital gains reporting with a qualified Canadian accountant.

Not tax or legal advice. Always confirm capital gains reporting with a qualified accountant. · Made with love in Canada 🇨🇦
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