Capital Gains Tax Break Even Calculator

Sell Now?

Calculate the impact on your clients’ investments.

Building on the recent budget proposal, this new FreshPlan calculator estimates if selling an investment before June 25, 2024, or holding it until a later date is more beneficial.
Explore the implications. Make informed decisions.

  • Sell now at the 50% inclusion rate: Pay the capital gain tax and reinvest the net proceeds, or
  • Hold: Sell at a later date at the 66.67% inclusion rate letting the full amount of the portfolio grow

The Break Even Point
Calculate the break-even holding period when the after-tax portfolio value equals selling before June 25 or at a future date, assuming other factors remain constant with this capital gains tax break even calculator.

Detailed Table
Discover the year-by-year comparison of the sell versus hold strategy, showing the after tax value of each portfolio.

Also New in FreshPlan:  Capital Gains Tax Calculator
Use this calculator to compare the tax on capital gains using the current 50% inclusion rate to the new 67% inclusion rate announced in the April 2024 federal budget.

Multiple Scenarios
As part of FreshPlan software, you can explore and save multiple scenarios for your clients and prospects, to help them make an informed financial decision.

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* 10-day free software trial. $600 annual subscription cost. Learn more

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Proposed Capital Gains Tax Rule Changes

The 2024 Canadian Federal Budget proposed to raise the inclusion rate on those proceeds to 66.7% for all corporations and trusts and for individuals making more than $250,000 in capital gains annually. For individuals, any such gains made under that bar would continue to face the current inclusion rate of 50%.

The proposed capital gains inclusion rate increase targets higher income individuals who realize significant capital gains each year, such as in their non-registered investment portfolios. However, the proposed capital gains inclusion rate increase may also affect individuals who may be disposing of personal use real property (such as their cottage), rental properties, shares of private corporations, farming and more.

Capital Gains Considerations

  • Clients affected by the new rules are corporations and trusts and individuals who will realize capital gains of more than $250,000 per year
  • Large capital gains may result in alternative minimum tax for individuals and certain trusts
  • The impact of the increase in the lifetime capital gains exemption to $1.25 million (from $1,016,836) effective June 25, 2024, proposed in Budget 2024.
  • The break-even calculations will differ between individuals and trusts/corporations because of the annual $250,000 threshold for individuals versus no threshold for trusts/corporations.

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