Canadian Adjusted Cost Base & Capital Gains Calculator
Compute ACB, capital gains, and losses for your Canadian tax return. Built for CRA Schedule 3 with automatic superficial loss detection, historical inclusion rates, and Bank of Canada exchange rates — all running locally, so your transaction data never leaves your device.
What it does
ACB across every event
Tracks Adjusted Cost Base per share across BUY, SELL, and vesting events, so you always know your true cost basis.
Superficial loss detection
Applies the CRA 30-day superficial loss rule automatically, denies the loss, and adjusts ACB on the replacement purchase.
Historical inclusion rates
Applies the correct capital gains inclusion rate by transaction date — including the 1988, 1990, and 2000 rate changes.
Bank of Canada FX
Fetches daily closing exchange rates from the Bank of Canada for USD and other currencies. No manual conversion required.
Broker imports
Upload Wealthsimple or Questrade CSVs, E*Trade confirmation PDFs, or a generic CSV. Or enter transactions manually.
Tax-ready exports
Export to CSV, Excel, and printable PDF — plus a Wealthsimple Tax disposition file you can import directly at tax time.
Privacy first
Your transactions stay in your browser. Nothing is uploaded, logged, or stored on any server.
Annual summary
Per-year breakdown of proceeds, cost base, net gain/loss, and taxable gain — the numbers you need for Line 12700.
How it works
- Import or enter transactions. Upload a CSV, drop in E*Trade statements, or type them in.
- Fetch exchange rates. For non-CAD trades, the calculator pulls the Bank of Canada closing rate for the transaction date.
- Walk the timeline. It processes events chronologically, maintaining a running ACB per share and detecting superficial losses within the ±30-day window.
- Compute gains & losses. Proceeds, cost of shares sold, capital gain/loss, and taxable gain are computed with the inclusion rate that applied on the sale date.
- Export. Download the detailed results or the Wealthsimple Tax disposition CSV for filing.
Frequently asked questions
Is my data uploaded anywhere?
No. All parsing and calculation happens in your browser. The only network call is to the Bank of Canada's public exchange rate API to look up daily FX rates.
What is a superficial loss?
The CRA denies a capital loss if you (or an affiliated person) buy identical shares within 30 days before or after the sale, and still hold them at the end of that period. The denied loss is added to the ACB of the replacement shares. This tool detects and applies this rule automatically.
Which inclusion rate does it use?
The inclusion rate that was in effect on the date of disposition. This covers the historical changes: 50% before 1988, 66.67% (1988–1989), 75% (1990–1999), 66.67% (2000), and 50% from 2001 onward.
Does it handle RSUs and ESPP?
Yes. Vesting events become BUY transactions at the FMV on the vest date, and sell-to-cover transactions are grouped with the related vest via the reference field.
What brokerages are supported?
Wealthsimple, Questrade, and E*Trade (including confirmation PDFs and gain/loss XLSX exports). A generic CSV format is also supported for any other source.
Is this tax advice?
No. This tool is for informational purposes only. Verify results with a qualified tax professional before filing your return.
References
Jump straight in
Skip the tour and go directly to the part of the calculator you need.
Import broker files
Upload a Wealthsimple, Questrade, or E*Trade file and the parser will populate the transaction table.
Enter trades manually
Prefer to type them in? Go to the transactions table and add rows one at a time.
Summary numbers
After computing, review the headline totals — proceeds, ACB, net gain, taxable gain.
Year-by-year view
Open the annual breakdown for Line 12700 per tax year.
Full trade log
See the detailed results — per-transaction ACB, denied losses, adjusted gains.
Ready to file?
Launch the calculator now → Export a Wealthsimple Tax CSV when you're done.