Private WealthFinancing
Planning tools

Capital gains

What a sale really costs after tax — the gain, the taxable half, what’s left to reinvest.

✓ Verified math — proven against independent references and last checked September 1, 2026; the full proof is under "How this is figured," below the results.

Estimated tax on the sale
$0
Capital gain$0
Taxable portion (50% inclusion)$0
Effective tax on the gain0%
Left in hand after tax$0
Capital returned Tax Gain kept
Selling to raise cash? Compare the alternative first — Borrow vs. Sell.
How this is figured — assumptions & the printed proof

The number the accountant refines

What a sale really costs after tax — the gain, the taxable half, and what’s actually left to reinvest. A tool for the planning conversation; the tax advice belongs to the accountant. And when the better answer is not selling at all, the borrowing side of that decision is this desk’s daily work.

When the better answer is not selling at all — borrowing against the balance sheet instead — that structuring is exactly what this desk arranges, in coordination with you and the accountant.

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Ramin Hallaji, Principal, licensed in British Columbia (BCFSA) and Alberta (RECA) — a private-client desk of Mortgage Guru Financial, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca · Legal & licensing · Privacy policy

Illustration only — not tax, investment, or legal advice. Uses Canada’s 50% capital-gains inclusion rate (verified current for 2026; the proposed increase was cancelled and never enacted) and a single user-set marginal rate; real files can involve provincial specifics, the $1,275,000 lifetime capital gains exemption on qualifying small-business, farm and fishing shares (2026, indexed), the principal-residence exemption, reserves, and corporate-held assets — all for the client’s accountant to confirm. A disposition is also deemed to occur at death. Private Wealth Financing arranges mortgage financing only.