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Canadian Capital Gains Tax Calculator

Name: Canadian Capital Gains Tax Calculator
Author: Kevin Valopouloss

Calculate your capital gains tax in Canada for 2025. Includes province selector, 50% inclusion rate, capital loss offsets, and after-tax proceeds. Based on CRA T4037 guide.

Canadian Capital Gains Tax Guide Hub

Read the guide

A complete plain-English guide to Canadian capital gains tax for 2025. Covers the inclusion rate, ACB, Schedule 3, exemptions, and how to calculate what you owe.

Written and reviewed by

Kevin Valopouloss

Sole publisher · US taxation & finance

Informational only — not a substitute for a tax, legal, or investment professional who knows your facts. About the publisher

Instantly calculate your Canadian capital gains tax. Enter your purchase price, selling price, and province — the calculator applies the 2025 inclusion rate, handles capital loss carryforwards, and shows your after-tax proceeds.

Asset Details

Purchase price (original ACB)

What you originally paid for the asset

Buying costs (commissions, legal fees, etc.)

These are added to your ACB

Selling price (proceeds of disposition)

The amount you received or will receive

Selling costs (commissions, legal fees, etc.)

These reduce your proceeds

Available capital loss carryforward (optional)

Net capital losses from prior years you want to apply

Your Tax Situation

Province / Territory

Combined marginal tax rate (federal + provincial, %)

Auto-filled from province — adjust to match your actual bracket

The rate above reflects the top marginal rate for your province.

If your total income (including the taxable capital gain) is lower, your effective rate will be lower. Adjust the field above to match your actual bracket.

How capital gains tax works in Canada (2025)

When you sell a capital property — stocks, real estate, crypto, or other assets — for more than its adjusted cost base (ACB), you have a capital gain. Only 50% of that gain is taxable (the inclusion rate for 2025). The taxable portion is added to your income for the year and taxed at your marginal rate.

The formula:

Proceeds of disposition − Selling costs − ACB = Capital gain
Capital gain × 50% = Taxable capital gain (enters line 12700)
Taxable capital gain × your marginal rate = Tax owed

What counts as the ACB?

The adjusted cost base is your purchase price plus any costs to acquire the asset (commissions, legal fees). For real estate, capital improvements are also added. For stocks purchased in multiple lots, the CRA requires a weighted average ACB across all shares of the same security.

Capital loss carryforward

If you have net capital losses from prior years, you can apply them against 2025 gains — reducing your taxable capital gain and the tax you owe. Losses can also be carried back three years or forward indefinitely.

Provincial rates

Tax on capital gains is combined federal + provincial. The calculator auto-fills the top marginal rate for your province as a starting point — adjust it down if your total income puts you in a lower bracket.

Disclaimer: For planning purposes only. Tax rules change annually. Consult a qualified Canadian tax professional.

More Canadian Capital Gains Tax Guide tools

Other calculators in the Canadian Capital Gains Tax Guide hub

ACB Calculator — Adjusted Cost Base for Stocks (Canada)

Calculate your weighted average adjusted cost base (ACB) for Canadian stocks across multiple purchase lots. Instantly see your ACB per share, capital gain, and estimated tax.

Canada Capital Loss Planner — Carryforward & Carryback Calculator

Calculate how to apply Canadian capital losses to offset gains. Handle carryforwards from prior years and carrybacks to 2022–2024 to recover past taxes. Based on CRA T4037.

Principal Residence Exemption Calculator Canada

Calculate how much of your home sale is tax-free in Canada. Applies the CRA's principal residence exemption formula including the "+1 rule" for partial-year ownership.