Capital Gains Tax Calculator
Estimate your Canadian capital gains tax on investments, property, or crypto.
What you originally paid, including fees
Commissions, legal fees, etc.
Results update automatically as you type.
Hold investments in a TFSA to pay zero capital gains tax. Use code NLX83A.
Open TFSA — Get $25 Free →Capital Gains & the Non-Registered Account
Capital gains arise in a non-registered (taxable) investment account when you sell an investment for more than you paid. In Canada, only 50% of capital gains are included in your income and taxed at your marginal rate — for gains up to $250,000 per year. Gains above $250,000 have a 2/3 inclusion rate following the 2024 Budget.
The key advantage of a non-registered account: no contribution limits. Once you've maxed your TFSA and RRSP, a non-registered account is your next best option. Canadian dividends also benefit from the dividend tax credit, making them more tax-efficient than interest income in a non-registered account.
Tip: To eliminate capital gains tax entirely, hold investments inside your TFSA. All growth in a TFSA — including capital gains — is 100% tax-free.