For Canadian Investors
Track your cost base.
File with confidence.
The most complete Adjusted Cost Base tracker for self-directed Canadian investors. Native macOS. 100% local. No subscriptions.
The most complete Adjusted Cost Base tracker for self-directed Canadian investors. Native macOS. 100% local. No subscriptions.
The CRA requires you to track your Adjusted Cost Base using the Section 104 average cost method — not FIFO, not LIFO. Superficial loss rules span 61 days and cross every account you own. Corporate actions change your cost base in ways your broker doesn't report. Crypto swaps trigger dispositions. RSU vesting creates employment benefits.
Most investors don't realize they're filing incorrectly until the CRA asks questions.
CostBase Pro handles all of this automatically.
Every feature designed around CRA rules, Canadian brokerages, and the real complexity of managing a multi-account portfolio.
Section 104 average cost, not FIFO. Every calculation follows CRA rules exactly, with decimal precision.
Automatic 61-day window scanning across all accounts, including TFSA and RRSP. CRA formula calculated instantly.
Generate CRA-ready capital gains reports, income summaries, T5008 reconciliation, and accountant packages.
AES-256 encryption. All data stored locally on your Mac. No cloud. No accounts. No tracking.
Built-in templates for Questrade, IBKR, and Wealthsimple. Custom CSV/XLSX mapping for any broker.
Merger, spin-off, and buyout wizards handle s.85.1 share exchanges and s.86.1 foreign spinoffs correctly.
Model hypothetical sales before committing. See unrealized gains, tax impact, harvesting opportunities, and superficial loss risk.
Learn Canadian investment tax from beginner to expert. 16 modules covering stocks, options, crypto, RSUs, and more — built right into the app.
Attach broker confirmations, CDS tax breakdowns, and import sources. Full audit trail for every change.
7 currencies with Bank of Canada daily rates. CAD conversion handled automatically for every transaction.
One-click consolidated package with Schedule 3, income report, and T5008 reconciliation in PDF, XLSX, or CSV.
Built with SwiftUI. Keyboard shortcuts, undo/redo, Quick Look previews. Scandinavian design that feels at home on your Mac.
Real-time alerts for superficial loss windows, harvesting opportunities, missing T5008s, and year-end planning. Proactive, not reactive.
Buys, sells, swaps, transfers, staking, mining, and airdrops. CoinGecko FMV lookups and Line 10400 income reporting built in.
RSUs, ESPPs, and employee stock options with sell-to-cover support. Verify T4 Box 14, 38, and 39 amounts against your records.
The CRA's superficial loss rule is the most commonly mishandled rule in Canadian investing. CostBase Pro scans every transaction across every account — Non-Registered, TFSA, RRSP — looking for acquisitions within the 61-day window. When it finds one, it calculates the exact denied amount using the CRA formula.
Buying in your TFSA within 30 days of selling at a loss in your non-registered account? CostBase Pro catches it — and warns you that the denied loss is permanent.
Set up an affiliated group for your partner or corporation. CostBase Pro scans across portfolios, not just accounts.
Define substitution pairs (e.g., an ETF and its crypto equivalent) for cross-asset superficial loss scanning. Same-day purchase detection highlights ACB impact automatically.
Review each flagged transaction, see the full CRA formula breakdown, and apply the adjustment with a single click.
CostBase Pro doesn't just calculate — it watches. The Tax Insights engine continuously scans your portfolio and surfaces actionable alerts so you never miss a deadline or an opportunity.
Alerts when you're inside the 61-day danger zone, so you don't accidentally trigger a denied loss.
Identifies positions with unrealized losses you can harvest before year-end — with superficial loss risk flagged.
Flags securities with dispositions but no broker-reported T5008, so nothing slips through the cracks at filing time.
Distribution reminders, excess return of capital warnings, and settlement date deadlines before December 31.
CRA-format disposition report with security name, dates, proceeds, ACB, and gain/loss.
Dividend summary by eligibility — Eligible, Ineligible, and Foreign — with totals by account.
Side-by-side comparison of broker-reported values against your calculated values.
Federal and provincial DTC calculations with eligible and ineligible gross-up amounts.
Export as PDF, Excel, or CSV. Or send a complete package to your accountant with one click.
Drop in a CSV from Questrade, IBKR, or Wealthsimple. Column mapping takes seconds with pre-built templates.
CostBase Pro calculates your ACB automatically, detects superficial losses, and surfaces real-time tax insights across all your accounts.
Generate Schedule 3, income reports, and T5008 reconciliation. Send a complete package to your accountant or file it yourself.
CostBase Pro stores everything locally on your Mac. There are no cloud servers. No user accounts. No analytics. No telemetry.
Your financial data never leaves your computer.
All data can be encrypted at rest. Toggle on or off freely.
Encryption key stored in your Mac's Keychain. Only your user account can decrypt.
Your data stays on your machine. Automatic backups keep it safe. Forever yours.
Automated ACB tracking, superficial loss alerts, and CRA Schedule 3 PDF ready for filing.
Harvesting view with settlement deadlines, what-if modeling, and superficial loss risk warnings.
Cross-account ACB tracking, account-type aware reports, and affiliated group detection for families.
Swaps, staking, airdrops, and DeFi yield — all tracked with CoinGecko FMV and reported on Line 10400.
RSU vesting, ESPP purchases, and stock option exercises with employment benefit calculations and T4 verification.
One-click accountant packages, full audit trail, document archive, and batch export in PDF, XLSX, or CSV.
CostBase Pro is currently in beta. Enter the access code to download.
Requires macOS 14.6 or later. Universal binary (Apple Silicon & Intel).