Calculate tax on real estate, stocks, and crypto — with principal residence exemption
Include legal fees, agent commissions, transfer taxes — rolled into adjusted cost base in this model.
Used to estimate your marginal tax rate.
Renovations, additions — not maintenance.
Capital gain (gross)
$138,000
Taxable gain
$138,000
Inclusion (effective)
50.0%
Taxable income added (included amount)
$69,000
Tax owed (estimate)
$25,978
Effective rate on total gain: 18.8%
Net proceeds after tax
$512,022
Capital gains tax estimates are illustrative only. Tax rules are complex and individual circumstances vary. Consult a tax professional or CPA before making decisions.
There is no flat rate — capital gains are included in income at 50% for individuals up to $250,000 of gains, and 66.7% on gains above that (2026 rules), then taxed at your marginal federal and provincial rates. Corporations generally include 66.7% of capital gains.
If the property was your principal residence for all years owned, the gain may be fully exempt. If you only designate part of the years, a fraction of the gain may be taxable. This calculator models the principal residence formula for illustration.
It can eliminate or reduce tax on the gain from the sale of a home that qualifies as your principal residence, subject to CRA rules and the +1 year in the formula.
Crypto is generally treated as property. Dispositions can be taxed as capital gains (or business income in some cases). Keep records of every trade.
Investment growth inside a TFSA is typically tax-free for qualifying investments, and withdrawals are generally not taxable. RRSPs defer tax until withdrawal. This calculator does not apply to registered accounts.
Federal rules increased the inclusion rate to 66.7% on the portion of individual capital gains above 250k (subject to legislation and your situation).