Adjustibl is a recordkeeping and calculation tool for Canadian investors. It brings your investment transactions together, keeps a running history of what happened, and shows how each result was calculated.
The idea is simple: you should be able to understand your own investment records without rebuilding them in a spreadsheet every time you have a question.
Tax treatment changes the answer
The same $10,000 profit can lead to a very different result depending on how an activity is treated.
For a simple example, suppose a one-half capital gains inclusion rate applies. A $10,000 capital gain would generally produce a $5,000 taxable capital gain. If the same $10,000 is treated as business income, the full $10,000 would generally be included as taxable business income.
Capital or business treatment is also not something to choose based on which answer looks better. It depends on the facts. The CRA notes that securities transactions may be on account of income or capital, and the distinction can require professional judgment.
Adjustibl does not make that judgment for you. It lets you keep accounts with different treatments separate and makes the calculation under the selected treatment visible.
You should be able to follow the calculation
An accountant may give you a final number without showing every step behind it. The number may be right, but it can still be difficult to review. Was every trade included? Which exchange rate was used? Did a fee change the cost? Why is the result different from the number on the brokerage statement?
If you cannot see how a calculation was produced, it is hard to spot a missing record or ask a useful question. It is also hard to challenge a result when something does not look right. That can leave people filing information they do not fully understand.
Adjustibl keeps the transactions, calculation, and explanation together. The goal is not to replace your accountant. It is to give you a record that both of you can inspect and discuss.
Know your running ACB
Adjusted cost base, usually called ACB, is the running cost of an asset for capital-gains purposes. It is not necessarily the number shown as book value by your brokerage. The CRA specifically warns that the cost shown on a T5008 may not reflect the ACB you need when calculating a gain or loss.
Knowing your ACB before you sell helps you understand the gain or loss that a sale may create. It is especially useful for assets bought more than once, held across brokerage accounts, or purchased in a foreign currency.
For example, a US stock may show a gain in US dollars while producing a different result in Canadian dollars. The purchase affects ACB using the exchange rate at that time, while the sale proceeds use the exchange rate at the time of sale. Adjustibl keeps that history running instead of waiting until filing time to reconstruct it.
Spreadsheets get difficult quickly
A spreadsheet can work when there are only a few trades. It gets harder as the history grows.
Each purchase changes the running cost. Sales reduce the position. Fees, foreign exchange, transfers, splits, options, and superficial-loss rules add more steps. One missed row or broken formula can affect everything that follows, and the mistake may not be obvious until much later.
The work is also repetitive. Statements have to be copied, formats have to be normalized, and formulas have to be maintained year after year.
Adjustibl is built to do that bookkeeping consistently. You keep the source transactions, see the running calculations, and review the result without maintaining another fragile spreadsheet.
That is the “what” and the “why”: one understandable record of your transactions, with answers you can trace back to the facts.
Ask AI for more complex questions
Once your transactions and calculations are organized, you can connect your favourite AI to Adjustibl and ask questions in plain language.
You might ask why a sale created a capital gain, how foreign exchange affected a result, or which transactions changed an asset's ACB. The AI can work from your Adjustibl records and supporting calculations, so its answer can point back to the transactions behind the number.
This does not make the AI your accountant, and its answers should not be treated as professional advice. It gives you a faster way to explore your own records, understand a result, and decide what you want to review more closely.