Taxes
Capital Gains Tax Scenario
Estimate tax on a gain using an inclusion percentage and marginal rate you supply.
A simple scenario tool for an asset outside a registered account. Enter the inclusion percentage and marginal rate applicable to your case. It does not determine Canadian eligibility, exemptions, filing treatment or changing inclusion rules.
Tax at your assumed rates
$4950.00
- capital Gain
- $30000.00
- taxable Gain
- $15000.00
- gain After Estimated Tax
- $25050.00
Formula and method
Estimated tax = max(0, sale price − adjusted cost base) × inclusion percentage × marginal rate
Applies user-supplied tax assumptions at a constant marginal rate. A large gain can cross tax brackets, so actual tax can differ. Negative gains are displayed but no loss carryback or offset is calculated.
Worked examples
Stock sale in taxable account
- Sale Price ($):
- 45000
- Adjusted Cost Base (ACB) ($):
- 20000
- Marginal Tax Rate (%):
- 33
- Taxable inclusion percentage (%):
- 50
Tax at your assumed rates: $4125.00
Cottage sale
- Sale Price ($):
- 400000
- Adjusted Cost Base (ACB) ($):
- 180000
- Marginal Tax Rate (%):
- 43
- Taxable inclusion percentage (%):
- 50
Tax at your assumed rates: $47300.00
Assumptions and limits
- User verifies applicable inclusion and marginal rates
- No exemptions, capital losses, selling costs or bracket changes
This tool provides an educational estimate. Rules, rates and personal circumstances can change the answer. Review the assumptions before relying on a result. Report a correction.
Common mistakes to avoid
- Forgetting to include trading commissions in the ACB — they raise your cost base and reduce the taxable gain.
- Thinking your principal residence is always tax-free — it is exempt but must be reported, and there are limits.
- Not timing large gains across tax years to manage marginal rate exposure.
Frequently asked questions
Does this determine my applicable inclusion rate?
No. Verify the applicable tax-year rules with CRA, then enter the inclusion percentage for your scenario.
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