Stop Giving the CRA Your Hard-Earned Investment Gains.
Transform non-deductible mortgage interest into thousands in annual tax refunds, automate tax-loss harvesting with CRA-safe ETF swaps, and maintain an audit-proof ledger.
Re-injected into mortgage principal
Over standard mortgage payoff
When strictly subaccount traced
See How Much the CRA Currently Owes You
Drag the sliders below to estimate your annual Smith Manoeuver tax refund and 25-year wealth creation.
5 Core Canadian Tax Reduction Engines
Built specifically around the Canadian Income Tax Act. Every calculation adheres to CRA Interpretation Bulletins and Folios so you claim every deduction with zero audit vulnerability.
Smith Manoeuver HELOC Tracing
Convert Bad Mortgage Debt to Tax-Deductible Wealth
Every dollar of principal paid off is automatically re-advanced via your HELOC into income-generating Canadian investments. Claim carrying charges on Line 22100 of your tax return.
Automated Tax-Loss Harvesting
Offset Realized Gains Dollar-for-Dollar
Identify underperforming non-registered equities and ETFs before year-end. Instantly compute your tax offset and carry back excess losses up to 3 preceding tax years.
Superficial Loss 30-Day Guard
Never Trigger CRA Loss Disallowance Traps
Under ITA Section 54, buying an identical property within 30 days before or after selling destroys your loss. Our curated Canadian ETF swap matrix preserves your asset allocation with 100% CRA compliance.
Asset Location Optimizer
Eliminate Cross-Account Tax Drag
Optimize which assets live in your RRSP (US dividend withholding tax exemption), TFSA (high capital growth), and Non-Registered accounts (Canadian dividend tax credit & capital gains).
RRSP Contribution & Tax Deferral
Precision Bracket Pacing & Refund Compounding
Prevent over-contributing into lower marginal brackets. Calculate the exact dollar amount needed to drop to the next tax tier, and pace deductions for future high-earning years.
The #1 Reason DIY Smith Manoeuvers Fail CRA Audits: The Mixed-Use HELOC Trap
Under CRA Income Tax Folio S3-F6-C1 and Bulletin IT-533, commingling a single dollar of personal spending into your investment HELOC can contaminate the entire borrowing tranche, risking 100% deduction disallowance.
- ✕Borrowing funds through personal chequing accounts, destroying the direct paper trail.
- ✕Accidentally using the HELOC card for home renovations or car repairs, commingling interest.
- ✕Manual Excel calculations that accountants charge $500+/hr to audit and verify at tax time.
- ✕Triggering the 30-day Superficial Loss trap by repurchasing identical Canadian ETFs.
- Strict Subaccount Isolation: Dedicated interest tracking aligned with CRA Folio S3-F6-C1.
- 1-Click Accountant PDF Export: Pre-formatted Line 22100 deduction summaries ready for your CPA.
- Superficial Loss Pre-Trade Guard: Real-time alerts before you buy back an identical security within 30 days.
- Debt Swap Accelerator Engine: Automatically calculates exact tax refund mortgage prepayments.
One Tool. 5 Canadian Tax Engines. Maximum ROI.
If TaxOptima doesn't save you at least 10x your subscription cost in verified Canadian tax deductions and gains, cancel anytime with our 30-day money-back guarantee.
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- Full Smith Manoeuver HELOC Tracing & Interest Subaccount Ledger
- 1-Click CRA Line 22100 Accountant PDF Tax Summary Reports
- Tax-Loss Harvesting Engine with Canadian ETF Swap Recommendations
- Superficial Loss 30-Day Trade Settlement Pre-Check Defense
- Debt Accelerator Tax Refund Mortgage Prepayment Optimizer
- Multi-Property & Multi-Mortgage Tracing Profiles
- Priority CPA-Reviewed Compliance Updates & Canadian Tax Guides
Frequently Asked Questions
Everything you need to know about Canadian tax optimization, CRA compliance, and TaxOptima.