Free calculator · 2026 rates

Capital Gains Tax Calculator (Ontario 2026)

Estimate the tax on a capital gain from selling stocks, a rental property or other capital property in 2026. Half of the gain is taxable at your marginal rate.

Estimated tax on this gain

Effective rate on the full gain: 0%

You keepTax

Capital gain$0

Net gain after losses$0

Taxable capital gain (50%)$0

Marginal rate on ordinary income0%

After-tax gain$0

The inclusion rate is 50% for 2026. Your principal residence, registered accounts and qualifying small business shares (LCGE of $1,275,000) may be exempt; ask us before you sell.

How this calculator works

Capital gain = proceeds − adjusted cost base (ACB) − outlays and expenses of selling.
The inclusion rate is 50%; the proposed increase to two-thirds was cancelled in March 2025.
Tax is the difference between your 2026 tax with and without the gain, so it reflects your real marginal rates.

Important

Results are estimates for general information, based on 2026 federal and Ontario figures verified October 27, 2026. Federal Budget 2026 (November 5, 2026) may change some amounts. Your actual tax depends on credits, deductions and circumstances not captured here.

Get help with Personal Tax (T1)

Frequently asked questions

Is my home taxable when I sell it?

Not if it was your principal residence for every year you owned it, but you must still report the sale on Schedule 3 and Form T2091(IND).

Can capital losses reduce my tax?

Yes. Capital losses offset capital gains in the same year, can be carried back three years, or carried forward indefinitely.

What is the lifetime capital gains exemption?

Qualifying small business shares and farm or fishing property may be eligible for the LCGE, which is $1,275,000 for 2026.

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