A recently launched website called AdjustedCostBase.ca offers a free, web-based tool for tracking the Adjusted-Cost Base (ACB) and Capital Gains for investments held in taxable accounts. You need to sign up for a free account but once you do so, you can enter transactions and track the ACB of your stock holdings. The sign-up process is relatively easy and the website only requires name, e-mail id and password for the initial registration and no other personal information.

The tool can handle buy, sell, return of capital, capital gains dividend, reinvested distribution, stock splits and even put and call options. The programmer behind the tool says he developed it for personal use since he couldn’t find an equivalent free tool and he intends to keep it freely available. I personally use a simple Excel spreadsheet to track the ACBs of our portfolios but investors will likely find AdjustedCostBase.ca very useful in keeping track of their ACBs or simply double checking their own calculations.

It would be nice if AdjustedCostBase.ca offered a way to locally save your portfolio transactions or even have it e-mailed to you on a regular basis. It would address one likely concern that many will have with a tool such as this: the possibility that transaction information may not be available in the future for whatever reason.

This article has 11 comments

  1. It would be nice if it handles foreign exchange rate as well.

  2. Sounds like a good idea. However, I share your concerns that if the service is stopped you may not have access to your historical records.

    It’s just as simple to set up an excel sheet (or Google document so it’s save in the cloud).

    The simplest solution for small investors, avoid dripping outside of non-registered accounts!

  3. CC: Thank you very much for the mention and for the feedback! I think that’s a great idea to allow users to download their data. I’ve added the ability to download all the data to a spreadsheet (there’s a new link to do so on the bottom of the main page).

    Slacker: Do you mean forex trading, or trading foreign stocks involving currency conversion?

  4. @ACB: I mean foreign stock (or ETF) involving currency conversion. Thanks for doing this, looks very useful !!

  5. @Slacker: I thought about that but I think one concern would be how to obtain exchange data. The Bank of Canada website has it but I’m not sure if it can be freely reused. I actually prefer entering the exchange rate myself, so perhaps an extra column where you can specify the exchange rate for US stocks should do the trick. What do you think?

    @AdjustedCostBase: Wow. That was quick. I’m pretty sure this is going to be really useful.

    Slacker is talking about trades of foreign stocks. The calculation of ACB of foreign stocks involves currency conversion (whether or not currency was actually converted) because the buy and sell prices have to be converted to C$ based on the exchange rates on the days in which trades were done. Let me know if you need more input on this.

  6. CC and Slacker: Supporting the purchase of foreign stocks sounds like a good idea. I’ll think about how to implement that soon. Thanks for your feedback.

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  9. To adjustedcostbase.ca and canadian capitalist: thank you very much. I have been thinking I need to create something to track my holdings so this is timely (and might save me some time).

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  11. Does the acb tracker include a link to trust web sites in order to track dividends paid or must this be input separately, as appears to be required.

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