Taxes happen every year — so does your subscription. Start free, upgrade when your portfolio outgrows the plan.
Multi-client dashboard, client import links, bulk import, and firm-branded reports. Pricing is being shaped with early-access firms right now.
Match your situation — the plan is defined by how complicated your taxable account is, not how wealthy you are.
The same gates the app enforces — no surprises after signup.
| Feature | Free | Investor $49 | Active Investor $129 |
|---|---|---|---|
| Cost base & portfolio | |||
| Manual transaction entry | ✓ | ✓ | ✓ |
| Broker CSV import | 1 broker · 100 tx | 1 broker · Unlimited tx | Unlimited brokers · Unlimited tx |
| Portfolios | 1 | Unlimited | Unlimited |
| Pooled ACB across accounts | Basic | ✓ | ✓ |
| Multiple broker accounts | ✗ | ✗ | ✓ |
| USD/CAD at Bank of Canada rates | ✗ | ✓ | ✓ |
| Stock splits & DRIPs | ✗ | ✓ | ✓ |
| Rules & reconciliation | |||
| Superficial-loss detection & safe rebuy dates | ✗ | ✓ | ✓ |
| Losses & tax-loss harvesting watchlist | ✗ | ✓ | ✓ |
| T5008 reconciliation | ✗ | ✗ | ✓ |
| T3 / ETF adjustments (phantom & ROC) | ✗ | ✗ | ✓ |
| Options lifecycle, spreads, rolls & assignment ACB | ✗ | ✗ | ✓ |
| Business-income options workpapers | ✗ | ✗ | Coming soon |
| Futures, warrants, CFDs & advanced derivatives | ✗ | ✗ | Roadmap |
| Equity compensation (RSU / ESPP / employee options) | ✗ | ✗ | ✓ |
| Corporate actions (splits, spin-offs, mergers) | ✗ | ✗ | ✓ |
| Crypto (pooled ACB, swaps as dispositions) | ✗ | ✗ | ✓ |
| Planning & reporting | |||
| “What if I sell?” simulator | ✗ | ✗ | ✓ |
| Trading-activity & CRA-risk dashboard | ✗ | ✗ | ✓ |
| Realized & unrealized gains | ✓ | ✓ | ✓ |
| Annual tax summary | ✗ | ✓ | ✓ |
| CSV export | ✓ | ✓ | ✓ |
| Accountant-ready PDF package | ✗ | ✗ | ✓ |
Waiting on a roadmap feature for your portfolio or firm? Tell us what to prioritize.
Explore the complete multi-client workflow with safe sample data. Real client access and pricing are enabled after an early-access conversation with your firm.
Every tool below is good at what it was built for — the question is whether it was built for Canadian capital gains end to end. Prices as of July 2026, in CAD or converted.
| Capability | Sched3 (Active, $129/yr) | AdjustedCostBase.ca ($49/yr) | Sharesight (~$216/yr) | Koinly ($49–199/tax yr) | MyCostBase ($59/yr) | Wealthica ($150+/yr) |
|---|---|---|---|---|---|---|
| Broker CSV import | ✓ 13 format-aware adapters | Spreadsheet upload | ✓ Broker & feed sync | ✓ Exchanges & wallets | ✓ Multiple brokers | ✓ Auto-sync (200+ FIs) |
| Pooled ACB across brokers (CRA method) | ✓ | ✓ Manual-entry first | ✓ | Crypto only | ✓ | ✓ (ACB calculator) |
| Superficial-loss detection | ✓ Windows, affiliates, safe rebuy date | ✗ | ✗ | Partial (crypto) | ✗ | ✗ |
| T5008 reconciliation | ✓ Line-by-line, mismatches flagged | ✗ | ✗ | ✗ | ✗ | ✗ |
| ETF phantom distributions & ROC | ✓ Per-fund data, auto-applied | Manual entry | Partial | ✗ | ✓ From distribution data | Partial |
| USD/CAD per-trade BoC rates | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Crypto | ✓ Included in Active | ✗ | ✗ | ✓ Its specialty | ✗ | Holdings only |
| Traded options: expiry, exercise & assignment | ✓ Reviewed lifecycle | Manual entry | ✗ | ✗ | ✓ Single-leg | Holdings only |
| Business-income options workpapers | Coming soon · request priority | ✗ | ✗ | ✗ | ✗ | ✗ |
| Futures, warrants, CFDs & advanced derivatives | Roadmap · request priority | ✗ | ✗ | ✗ | ✗ | ✗ |
| RSU / ESPP / employee-option cost base | ✓ | Manual entry | ✗ | ✗ | ✗ | ✗ |
| Corporate actions (splits, spin-offs, mergers) | ✓ | Manual entry | Partial | ✗ | ✗ | Depends on feed |
| Schedule 3-ready export | ✓ PDF + CSV + audit trail | ✓ PDF report | CRA report | ✓ Schedule 3 (crypto) | Capital gains summary | Capital Gains Power Up |
| Multi-client tools for accountants | ✓ Early access | ✗ | ✓ ~$162/portfolio/yr | ✓ Practice tools | 5 tax owners | Advisor product |
| “What if I sell?” tax simulator | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
Full write-ups: vs. AdjustedCostBase.ca · vs. Sharesight · vs. MyCostBase · vs. MyACB · vs. WealthWatch · vs. Wealthica · vs. Koinly
Capital gains work is a yearly cycle — you accumulate trades all year and file once. Annual pricing matches that rhythm and works out far cheaper than tools billed monthly.
Yes. Plans renew yearly; you can downgrade to Free at renewal and keep read access to your historical reports. Nothing is deleted.
Upgrades take effect immediately — all your existing data is re-processed with the new plan’s features (for example, superficial-loss checks run over your full history, not just new trades).
Yes — unlimited manual entry, one broker import of up to 100 transactions, basic ACB, and CSV export, forever. All calculators and guides are free without an account.
Accountant pricing is separate from investor plans. You can explore the complete Firm demo immediately; real client data is enabled only after we agree on early-access pricing, client limits, and onboarding with your firm.
No — one subscription covers all your history and every tax year, including amended or late filings for prior years.