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Capital gains tax calculator by province, 2026

Estimate the tax on a capital gain in seconds. Pick your province, enter the gain and your other income, and we'll add the taxable 50% to your income and tax it at the 2026 federal and provincial marginal rates. No login, no sign-up, nothing stored.

50% inclusion rate · 2026 rates · Estimate only, not tax advice
Where you lived on December 31 of the tax year. This sets your provincial rates and any surtax.
The profit on the sale: proceeds minus your adjusted cost base. Only 50% of this is taxable.
Salary and other income before this gain, so the gain is taxed at your real marginal rate. Leave blank to assume the gain is your only income.
Estimated tax on your capital gain
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This is a general-information estimate, not tax advice. It applies 2026 federal and provincial or territorial marginal rates, the Ontario surtax, and the Quebec federal abatement, but it excludes tax credits, the basic personal amount, the alternative minimum tax, and exemptions such as the principal-residence exemption. Confirm your situation with a tax professional or in CRA My Account.

How it works

Half of a capital gain is taxable, then taxed at your marginal rate

When you sell an investment or property for more than you paid, the profit is a capital gain. For 2026, 50% of that gain (the inclusion rate) is added to your taxable income; the other half is not taxed. The taxable half is then taxed at your marginal rate, which stacks on top of your other income and depends on your province. The June 2024 proposal to raise the inclusion rate to 66.67% on gains above $250,000 was cancelled in March 2025, so the rate stays at 50% for everyone in 2026. The table below shows the top marginal rate on a capital gain in each province and territory this year; your own rate is usually lower, because it depends on your income.

Province or territoryTop rate on a capital gain

The hard part isn't the tax math, it's tracking your adjusted cost base and realized gains across every account. Mozaic does that automatically from your real accounts.

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Capital gains tax questions

How is capital gains tax calculated in Canada for 2026?
In Canada, 50% of a capital gain is taxable and is added to your income for the year. That taxable half is then taxed at your marginal rate, which depends on your province and your total income. So the tax on a gain is roughly 50% of the gain times your marginal rate. This calculator does that math for your province and income.
What is the capital gains inclusion rate for 2026?
The inclusion rate for 2026 is 50%, the same rate that has applied for years. It means half of every capital gain is added to your taxable income and the other half is not taxed. There is no $250,000 threshold and no two-tier rate in 2026.
Wasn't the capital gains inclusion rate raised to 66.67%?
A June 2024 proposal would have raised the inclusion rate to 66.67% on gains above $250,000, but that increase was cancelled on March 21, 2025 and never took effect. For 2026 the inclusion rate stays at 50% for everyone, and this tool uses the 50% rate.
Does a capital gain push me into a higher tax bracket?
The taxable half of your gain stacks on top of your other income, so a large gain can spill into a higher bracket and be taxed at more than one rate. This calculator adds the taxable half to the income you enter and taxes it bracket by bracket, so a gain that crosses a bracket line is handled correctly.
Which province's tax rate applies to my capital gain?
Your gain is taxed at the rates of the province or territory where you lived on December 31 of the tax year, not where the property was located. Rates vary: the top combined rate on a capital gain runs from about 24% in Alberta to about 27% in Newfoundland and Labrador. Pick your province above to use its 2026 rates.
Are any capital gains tax-free in Canada?
Yes. The gain on your principal residence is usually exempt, and gains inside a TFSA, RRSP, FHSA or RESP are not taxed at all. This calculator estimates the tax on a taxable gain in a non-registered account, so do not use it for gains that are already sheltered or exempt.