Last Updated: February 2026
In Canada, 50% of capital gains are taxable (as of 2024). If you sell a stock for $5,000 profit, only $2,500 is taxable income. At a 53% marginal tax rate (top earner), you pay ~$1,325 in tax, netting $3,675. Transaction costs (trading fees, bid-ask spread) can reduce gains by 1-2%.
Capital losses offset capital gains dollar-for-dollar. If you have $10,000 in gains and $4,000 in losses, you pay tax only on $6,000 of gains. Unused losses carry back 3 years or forward indefinitely, useful for tax planning.
Inside a TFSA, capital gains are completely tax-free. A $10,000 gain in a TFSA = $10,000 keep. Same gain in a non-registered account = $8,675 after tax (at top rates). This makes TFSAs ideal for active traders.
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Marginal rate on 50% inclusion (Canada). Approx 26–27% for most brackets.
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