Canada Capital Gains Tax Calculator 2026
Calculate capital gains tax in Canada for 2026: 50% of the gain is taxed at your federal and provincial marginal rate, with losses and every province.
Federal and provincial tax for 2026 from the CRA payroll formulas, with the gain on top of employment income; Quebec is an estimate. The inclusion rate stays at 50% (the increase to two thirds was cancelled). No tax on your principal residence; small business shares and farm or fishing property may use the $1.25 million lifetime exemption.
What it does
In Canada only half of a capital gain is taxable: the taxable half is added to your other income and taxed at your federal and provincial marginal rates. Capital losses reduce gains of the same year and can be carried back three years or forward indefinitely.
How to use it
- Choose your province and type your other income for the year.
- Type the capital gain and any capital losses.
- See the tax, the taxable part and the rate on the gain.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much tax do I pay on capital gains in Canada?
Half of the gain at your marginal rate. In Ontario with $80,000 of other income, a $20,000 gain adds $10,000 of taxable income and $2,964.78 of tax: 14.8% of the gain.
What is the capital gains inclusion rate in 2026?
50%. The planned increase to two thirds above $250,000 was cancelled in 2025, so every dollar of gain is half taxable.
Does the province change capital gains tax?
Yes, through its own rates. With the same $80,000 and $20,000 gain, the tax is $3,049.80 in Alberta, where the provincial rate at that income is 10%.
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