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Canadian Capital Gains Tax Calculator 2025

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

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
What you originally paid for the asset
These are added to your ACB
The amount you received or will receive
These reduce your proceeds
Net capital losses from prior years you want to apply
Your Tax Situation
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.

Capital Gains Calculation
Selling price$0
Less: selling costs− $0
Less: adjusted cost base (ACB)− $0
Capital gain$0
× 50% inclusion rate (2025)$0
Taxable capital gain (line 12700)$0

💸 Tax on Capital Gain

Taxable capital gain$0
Combined marginal rate53.53%
Estimated tax on gain$0

✅ After-Tax Summary

Gross proceeds$0
Total costs (ACB + selling + tax)$0
After-tax proceeds$0
Effective tax rate on gain0.0%

Inclusion rate is 50% for 2025 per the CRA T4037 guide. Tax figures are estimates. Consult a Canadian tax professional for your specific situation.

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:

  1. Proceeds of disposition − Selling costs − ACB = Capital gain
  2. Capital gain × 50% = Taxable capital gain (enters line 12700)
  3. 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.

Related tools and guides

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

More Canadian Capital Gains Tax Guide Tools

Other tools 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.