Calculate your instant tax refund by harvesting capital losses, offset realized capital gains, and explore CRA-compliant Canadian ETF swap pairings.
Enter your realized gains and current unrealized positions to calculate tax savings.
Automatically checks 30-day superficial loss windows across all Canadian accounts
Crystallize tax losses without sitting in cash or violating the 30-day superficial loss rule.
CRA Defense Rationale: Tracks a different underlying index weighting (VEQT has higher Canadian allocation ~30% vs XEQT ~25%). Fully satisfies CRA non-identical property test while preserving identical market exposure.
CRA Defense Rationale: Different ETF fund manager and separate trust indenture. Substantially equivalent returns with identical 0.09% MER, providing clean CRA audit separation during the 30-day settlement window.
CRA Defense Rationale: VCN tracks the FTSE Canada All Cap Index (~180 holdings) while XIC tracks the S&P/TSX Capped Composite Index (~225 holdings). Distinct index rules avoid the ITA Section 54 identical property trap.
CRA Defense Rationale: XUU tracks S&P Total Market Index while VUN tracks CRSP US Total Market. Different weighting methodology completely circumvents the 30-day superficial loss disallowance.
CRA Defense Rationale: MSCI EAFE vs FTSE Developed ex North America indices have distinct country weights (e.g. South Korea classification differences), providing 100% CRA audit safety.