Capital Gains Tax Calculator (2025)
Calculate your Canadian capital gain for the 2025 tax year.
Results
How this calculator works
This calculator estimates capital gains tax in Canada for assets held in a non-registered (taxable) account.
Capital gain calculation
We start with your sale price, subtract selling costs (e.g., commissions, legal fees), and compare the result to your adjusted cost base (ACB). The ACB includes the original purchase price, purchase costs, and eligible capital improvements. The difference is your capital gain or capital loss.
Taxable capital gain
Only a portion of a capital gain is taxable. By default, the calculator applies Canada’s standard 50% inclusion rate, meaning half of the gain is added to taxable income. (This assumes typical Canadian capital gains rules and does not account for future policy changes.)
Estimated tax
The taxable portion of the gain is taxed using progressive marginal tax brackets based on your selected province. This produces an estimate, not a personalized tax filing. Credits, deductions, surtaxes, and individual circumstances are not fully modeled.
Net proceeds after tax
Net after-tax proceeds are calculated as: Sale price − selling costs − estimated tax.
Important limitations and exclusions
Principal Residence Exemption (PRE)
Capital gains on a qualifying principal residence can be fully or partially exempt. This calculator does not apply the PRE. If your property qualifies, the calculator will overstate tax owed.
Registered accounts not included
This calculator assumes a non-registered account:
TFSA gains are not taxed and should not be modeled here.
RRSP withdrawals are taxed as regular income, not capital gains.
Estimation only
Results are for educational and planning purposes. They do not replace professional tax advice or CRA calculations.