Deductible Interest Tracker

For Canadian DIY investors using leveraged investing strategies

Track deductible and non-deductible interest on borrowed funds used to invest in income-producing securities in Canada. Calculations are deterministic and CRA-defensible, with full explanations — including support for Smith Maneuver-style workflows.

How it works

Built specifically for Canada

Follows Canadian tax concepts and CRA administrative guidance for investment-related borrowing — not a generic multi-jurisdiction tracker.

Intent is recorded explicitly

Each borrowing, payment, or investment is captured as an action with its purpose specified at the time it occurs. The system does not infer intent after the fact.

Explainable, audit-ready results

Every balance and change can be traced back to contributing actions, with clear explanations suitable for accountants and CRA review.

How the app works

Record actions, apply clear Canadian tax logic, and inspect exactly how deductible and non-deductible amounts were derived.

Scope: investment borrowing for securities only — not rental real estate or operating business interest.

Step 1 — Record actions

Log borrowing, interest charges, repayments, security buys/sells, and distributions as they occur, with each action’s purpose clearly specified.

Step 2 — Apply Canadian investment-interest logic

Actions are processed using deterministic allocation rules aligned with CRA guidance for investment-related borrowing, separating deductible and non-deductible amounts without heuristics.

Step 3 — Produce reconciled views

Statement-style views are derived from recorded actions and reconcile with credit and brokerage accounts, while preserving the full history used for calculations.

Step 4 — Inspect any number

Open any balance or total to see which actions contributed and how each amount was calculated.

Who this is for

Designed for Canadians who borrow to invest in income-producing securities and want CRA-defensible, transparent calculations.

Canadians borrowing to invest in income-producing securities
HELOC or margin investing (including Smith Maneuver workflows)
Users who want CRA-defensible, transparent calculations

Not intended for: rental real estate, operating businesses, or other non-investment interest scenarios.

See your investment borrowing through a CRA lens.

Create an account to track deductible and non-deductible investment interest with full transparency.