A live sample — no account needed

This is Sched3's real tax engine running on a made-up investor's trades. Sign up free to see the same view for your own portfolio.

Explore with sample data

A realistic 2024–2025 Canadian investor, run through the real tax engine — so you can see what Sched3 catches before you import a single trade.

Holdings

Adjusted cost base per share and in total, pooled across every purchase.

Security▲

Accounts

ACB/Share

Total ACB

Market Value

Unrealized G/L

BCECADSuperficial loss risk

$52.88

$3,172.89

$1,986.00

-$1,186.89

-37.4%

▼

VFVCAD

120

$99.21

$11,905.00

$17,784.00

$5,879.00

+49.4%

▼

XEQTCAD

100

$32.54

$3,254.14

$3,640.00

$385.86

+11.9%

▼

Sort by

BCECADSuperficial loss risk

Total ACB

$3,172.89

Unrealized G/L

-$1,186.89

-37.4%

ACB/Share

$52.88

Market Value

$1,986.00

VFVCAD

120

Total ACB

$11,905.00

Unrealized G/L

$5,879.00

+49.4%

ACB/Share

$99.21

Market Value

$17,784.00

XEQTCAD

100

Total ACB

$3,254.14

Unrealized G/L

$385.86

+11.9%

ACB/Share

$32.54

Market Value

$3,640.00

3 holdings

Realized dispositions for 2025

Proceeds, adjusted cost base, and gain or loss for every sale.

Security

Date Sold▼

Proceeds

ACB

Gain/Loss

Notes

XEQT

Sample non-registered account · 40 sh

Sep 15, 2025

$1,396.00

$1,301.66

$89.39

—

BCE

Sample non-registered account · 100 sh

Aug 11, 2025

$4,650.00

$5,204.95

-$223.96

Loss denied

MSFT

Sample non-registered account · 25 sh

Jul 14, 2025

$16,056.73

$14,215.54

$1,831.60

—

Sort by

XEQT

Sample non-registered account · 40 sh

Date Sold

Sep 15, 2025

Proceeds

$1,396.00

Gain/Loss

$89.39

ACB

$1,301.66

BCE

Loss denied

Sample non-registered account · 100 sh

Date Sold

Aug 11, 2025

Proceeds

$4,650.00

Gain/Loss

-$223.96

ACB

$5,204.95

MSFT

Sample non-registered account · 25 sh

Date Sold

Jul 14, 2025

Proceeds

$16,056.73

Gain/Loss

$1,831.60

ACB

$14,215.54

3 dispositions

Losses marked "denied" ($335.94 total) were triggered by a repurchase within 30 days of sale under the CRA superficial loss rule. The denied amount is added back to the adjusted cost base of the remaining shares.

The superficial-loss story

You sold 100 shares of BCE on Aug 11, 2025 at a loss.

Because you bought 60 shares back on Aug 25, 2025 — inside the 30-day window — the CRA's superficial-loss rule denies $335.94 of that loss.

Sched3 added the denied $335.94 back to the adjusted cost base of the 60 replacement shares, so it isn't lost — it lowers a future gain instead.

Schedule 3 summary for 2025

Proceeds of disposition

$22,102.73

Adjusted cost base

$20,722.15

Outlays and expenses

$19.48

Gain (loss)

$1,697.04

What Sched3 caught that a spreadsheet would miss

A $335.94 superficial loss on BCE — automatically denied and added back to the replacement shares' cost base.
The MSFT sale's $1,831.60 gain reflects the CAD/USD move between purchase and sale — bought near 1.3585, sold near 1.3790.
XEQT's 100 shares carry one blended adjusted cost base of $32.54 per share, pooled across 14 purchases.

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