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How Crypto is Taxed in Canada — What CRA Expects From You (2026 Guide)

  Published: April 2026 | Reading time: 11 min | Category: Taxes, Investing, Personal Finance A lot of Canadians still believe cryptocurrency exists in a tax-free grey zone. It does not. The Canada Revenue Agency is very clear on this: crypto is taxable, every transaction counts, and CRA has been aggressively pursuing crypto investors who don't report correctly. If you've bought, sold, traded, or earned any cryptocurrency in Canada — Bitcoin, Ethereum, Solana, or anything else — this guide explains exactly what CRA expects from you, what counts as a taxable event, and how to reduce your tax bill legally. The CRA's Official Position on Crypto The CRA treats cryptocurrency as a commodity , not a currency. This is a critical distinction. It means: Crypto is subject to either capital gains tax or income tax depending on how you use it Every time you dispose of crypto — sell it, trade it, spend it, or give it away — you trigger a taxable event Simply holding cryp...

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Smart Strategies for a Budget-Friendly Summer Vacation

 

Here are some expert tips to help you save money on your upcoming summer getaway:

  1. Be Flexible on Location and Timing:

    • Research different destinations to get an idea of costs. Sometimes, what seems expensive might not be.
    • Consider flying mid-week (between Tuesday and Thursday) for cheaper flights.
    • Keep an eye on hotel and car rental prices; they can fluctuate.
  2. Leverage Credit Card Loyalty Programs:

    • Use credit card points for flights, hotels, cruises, and car rentals.
    • Air Canada’s Aeroplan rewards program offers benefits beyond flights.
  3. Create a Budget:

    • Set a daily spending limit for food, drinks, and other expenses.
    • Carry a debit or credit card for emergencies.

Remember, thoughtful planning can help you enjoy your vacation without breaking the bank! 

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