Calculate your Australian Capital Gains Tax in seconds. Works for property, shares, ETFs and cryptocurrency. Applies the 50% CGT discount automatically when you hold an asset for more than 12 months, using the latest FY 2025/26 individual marginal rates.
Built by AML Workflow — Australia's AUSTRAC-aligned compliance platform for real estate agents, conveyancers, accountants and law firms.
Estimates only. Not personal financial or tax advice. Always consult a registered tax agent or visit ato.gov.au.
Enter what you paid, the sale price, the purchase and sale dates, and any associated buying or selling costs (legal fees, brokerage, stamp duty).
If you held the asset for more than 12 months, the calculator automatically applies the 50% CGT discount for individual Australian residents.
The calculator computes your taxable gain and your estimated tax owed using FY 2025/26 marginal tax rates. Adjust your income bracket to see your real impact.
Everything you need to know about Capital Gains Tax in Australia for FY 2025/26.
Capital Gains Tax (CGT) is the tax payable on the profit when you sell a capital asset such as property, shares or cryptocurrency. In Australia, CGT is not a separate tax — net capital gains are added to your assessable income and taxed at your marginal rate.
Capital gain = Sale price − (Cost base + Selling costs). If you held the asset for more than 12 months as an Australian resident individual or trust, you may apply the 50% CGT discount. The remaining gain is added to your taxable income and taxed at your marginal rate.
Individual Australian residents (and most trusts) who hold an asset for more than 12 months can reduce their capital gain by 50% before paying tax. Companies do not qualify for the 50% discount. Self-managed super funds get a 33⅓% discount instead.
The main residence exemption generally exempts your primary home from CGT, provided you have lived in it, have not used it to produce income, and it sits on land of 2 hectares or less. Partial exemptions apply if the property was rented out for part of the ownership period.
CGT is reported in your annual income tax return for the financial year in which the CGT event occurred (typically the contract date of sale, not settlement date). Tax owed is paid as part of your normal tax assessment.
Yes — the ATO treats cryptocurrency, listed shares and real property under the same CGT rules. Each disposal is a separate CGT event, the 50% discount applies after 12 months, and you must keep detailed records of cost base, acquisition date and disposal proceeds.
Yes. Capital losses in the same financial year reduce your capital gains dollar-for-dollar (applied before the 50% discount). Unused capital losses carry forward indefinitely and can offset future capital gains, but cannot be used against ordinary income.
No. This tool provides estimates based on standard ATO rules but does not account for individual circumstances such as cost-base adjustments, partial main-residence exemptions, small-business concessions or trust distributions. Consult a registered tax agent or visit ato.gov.au for guidance specific to your situation.
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