Cross-Border Tax Estimator for Canadians.
US dividend → Canadian account tax withholding. Treaty-aware. Models TFSA (no §871 protection), RRSP/RRIF (treaty-protected), and taxable. Quintarthai's exact same logic that runs inside the platform.
— Withholding & take-home
$850.00
Gross dividend$1,000.00
US withholding rate15%
US withheld$150.00
Cdn foreign tax credit (FTC)$150.00
Effective tax %15.0%
Methodology: RRSP/RRIF accounts are protected by the Canada-US Tax Treaty Article XVIII(3) — 0% US withholding when W-8BEN is filed. TFSA is NOT recognized by IRS as retirement — defaults to 15% (with W-8BEN) or 30% statutory. Foreign Tax Credit (FTC) recoverable in taxable accounts up to Canadian tax owed. This calculator excludes §871(m) for dividend-equivalent payments on US derivatives — those follow different rules.
Not tax advice. Consult a cross-border CPA. The full version inside Quintarthai handles section 871(m), section 1446(f), and superficial loss interactions.