The Canadian crypto position and tax workbench
DeFiCalculator.ca is a free Canadian crypto workbench. Load your exchange CSV files to get your adjusted cost base, superficial losses and Schedule 3 totals, then replay liquidity, staking, loan and DCA positions on your own prices or a scenario path. Everything runs in your browser, in Canadian dollars, with the formulas shown.
Turn your exchange files into an adjusted cost base, superficial losses and Schedule 3 totals. Replay liquidity positions, staking, loans and DCA plans on your own price history or a scenario path, and see what fees, unbonding and crashes do to the result.
What four ordinary positions look like under stress
Worked examples computed by the same engines as the tools. Open any card to change the inputs or replay your own prices.
Liquidated at 60% LTV
An ETH-backed loan through the May 2021 sell-off, when ETH fell “more than half”, $4,360 on May 12 to $2,050 (−53% from those prices) (Fortune). Only loans started at or below 38% loan-to-value survive a fall that size.
DCA scenario replay$6,250 → $9,277
$250 every 30 days for two years while the price halves and climbs back to where it started, paying a 1.5% spread. A lump sum on day one would end at $6,158.
LP simulator$2,423 behind holding
$10,000 in a ±10% concentrated range while token A halves over four months. The price leaves the range within weeks (in range 16% of days), so even a 12% fee rate barely registers.
ACB & superficial loss$1,500 of a loss denied
Sell 2 ETH at a $3,000 loss, buy 1 back 15 days later: half the loss is a superficial loss, moved into the new coin's cost. Net loss you can claim now: $1,500.
The workbench
ACB & superficial loss
Multi-coin ACB from your exchange CSVs, swaps split, superficial losses found, Schedule 3 totals.
Open →Liquidity & yieldLP simulator
Full-range or concentrated LP replayed day by day: fees vs impermanent loss vs holding.
Open →Liquidity & yieldStaking calculator
Network presets, unbonding risk, and rewards valued in CAD on the day you got them.
Open →BorrowingLoan stress test
Your loan through reported crashes or your own prices: health factor, liquidation day, safe LTV.
Open →PlanningStablecoin vs GIC
After-tax stablecoin yield against posted GIC and savings rates, TFSA and USD/CAD included.
Open →PlanningDCA scenario replay
Weekly, biweekly or monthly buys replayed with published platform fees, against a lump sum.
Open →Plus fees vs yield, APR to APY, superficial loss and vesting →
Why use this instead of a generic calculator or tax software
- Canadian rules built in. Average cost across all your wallets, swaps split into a sale and a purchase, the superficial-loss rule, one-half inclusion, and a Schedule 3 summary.
- Paths, not single guesses. Positions are replayed day by day on your own price history or a scenario path, so you see what the path does: liquidation days, time out of range, the worst wait during unbonding.
- Private by design. No account, no wallet connection, no upload. Your exchange files never leave your browser.
- Honest limits. Full tax software syncs wallets and files complete reports; this doesn't. It's for understanding and checking your numbers, and each tool says what it leaves out.
For what the CRA says about each DeFi activity, the state of Canadian regulation and how protocols fail, see our sister site DecentralizedFinance.ca.
About this site
Is DeFiCalculator.ca financial or tax advice?
No. It's a free workbench that runs on your records and inputs. It doesn't recommend protocols, tokens or platforms, shows no live yields, and is not tax advice; check your return with a professional when the stakes are high.
Are my exchange files uploaded anywhere?
No. CSV files are read by your browser and the calculations run there. Nothing is sent to us unless you choose to email yourself results. Nothing connects to a wallet, and we never ask for a seed phrase or private key.
Where do the prices come from?
From you. The tools replay daily prices you paste or upload (from your exchange or any source you're allowed to use), or a scenario path you shape. Crash scenarios are built from falls reported in the press, with the source shown. US-dollar amounts are converted with the Bank of Canada's daily rate.
Where are the tax rules and risk guides?
On our sister site, DecentralizedFinance.ca, which covers CRA treatment, Canadian regulation and protocol risk. This site keeps the calculators and links there when the rules matter.
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