Guide

Everything you need to understand and use the Deductible Interest Tracker — from core concepts to event-by-event reference.

Getting started

The core concept: borrow to invest, and the interest may be deductible. Why every transaction can change the math.

Events, not transactions. How the app maintains your deductible and non-deductible balances and recomputes everything from scratch.

What you need, the basic cycle of events, and what the app does at each step.

Real-world situations that change the deductible proportion of your interest.

How sale proceeds split between borrowed and personal capital, and what happens to your deductible balance.

Why RoC retroactively changes your deductible interest and how the recalculation works.

When personal spending hits your investment credit line and how the CRA proportional repayment rule applies.

Paying interest by borrowing more — how deductible and non-deductible character carries forward.

The interval-based calculation that determines how much of each interest charge is deductible.

The Income Tax Folio tracing principles this app implements, with references to official guidance.

Field-by-field guides for each event type — what to enter and what changes.

Deductible vs. non-deductible debt breakdown — invested principal, capitalized interest, and outstanding interest.

Borrowed vs. personal cash, holdings tracking, and how cost bases are split.