Capital Gains Tax

CGT Calculator
Australia 2025–26

Enter your asset details to see exactly how much CGT you'll pay — including the 50% discount, your marginal rate, and what you'd save by holding longer.

Asset Details

Works for shares, ETFs, property, and crypto.

The Asset

Asset type

Purchase price — cost base incl. costs

Sale price — net proceeds after costs

Additional costs — brokerage, stamp duty, agent fees

Holding Period

Have you held this asset for more than 12 months?

Yes — 50% discount applies

No — full gain taxed

Your Tax

Taxable income this financial year — before this gain

Capital losses available to offset

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Enter asset details

Fill in the form to see your capital gains tax breakdown.

General information only. CGT calculations use the discount method. Does not model the indexation method, rollovers, or small business CGT concessions. Crypto tax treatment may differ — consult the ATO or a tax adviser. This is not tax advice.

How Capital Gains Tax Works in Australia

When you sell an asset for more than you paid for it, the profit is a capital gain. The ATO requires you to include this gain in your assessable income for the financial year of the sale, where it is taxed at your marginal rate.

The key benefit available to most Australian investors is the 50% CGT discount: if you've owned the asset for more than 12 months, you only include half the gain in your taxable income. This effectively halves your CGT rate compared to short-term gains.

What counts as the cost base?

Your cost base is more than just the purchase price. It includes brokerage commissions, stamp duty, legal fees, and any capital costs incurred to improve or defend your ownership of the asset. Getting the cost base right can meaningfully reduce your CGT liability.

Can I offset capital losses?

Yes. Capital losses from selling other assets can be offset against capital gains in the same year. If your losses exceed your gains, the excess is carried forward indefinitely to offset future gains — it cannot be used to reduce ordinary income.

Do I pay CGT on my home?

Generally no — your primary place of residence (PPOR) is exempt from CGT under the main residence exemption. A partial exemption applies if you've rented the property or used it for business at any point. The rules are complex — seek advice if you're selling a former PPOR.

When do I pay CGT?

CGT is included in your income tax return for the financial year in which the sale (contract date) occurs. It's not a separate tax — it's added to your other taxable income and taxed at your marginal rate. The ATO does not send a separate CGT bill.

Is crypto taxed as CGT in Australia?

Yes. The ATO treats cryptocurrency as property for tax purposes, meaning disposals (selling, trading, or using crypto to buy goods) trigger CGT events. The 50% discount applies if you've held for more than 12 months. Detailed records of every transaction are required.

Need a tax accountant?

A good accountant can ensure your cost base is correct and identify strategies to minimise CGT legally.

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CGT CalculatorAustralia 2025–26