Free Australian CGT Calculator 2026
Calculate your Australian Capital Gains Tax for the 2025/26 financial year. This free tool applies ATO-aligned formulas including the 50% CGT discount for assets held longer than 12 months, capital losses offset, and the CGT discount for individuals and trusts.
What This Calculator Does
Enter your asset purchase date, sale date, cost base, and sale proceeds. The calculator automatically determines eligibility for the 50% CGT discount and applies your marginal tax rate to estimate the tax payable. Supports property, shares, ETFs, cryptocurrency, and other CGT assets. This is an Australian CGT calculator with the latest FY 2025/26 tax tables built in.
Key CGT Rules Applied
- 50% CGT discount for individuals and trusts holding assets > 12 months
- Capital losses offset against capital gains before the discount
- Net capital gain added to assessable income and taxed at marginal rates
- Separate calculation for collectables and personal use assets
- Cost base adjustments for stamp duty, legal fees and improvement costs
CGT on Shares, Property and Crypto
Use this free CGT shares calculator to work out capital gains on ASX-listed shares, ETFs and managed funds. Each share parcel is a separate CGT event — track acquisition date and cost base including brokerage for each purchase. For property investors, the property CGT calculator handles investment property, rental property and land sales, with main residence exemption rules applied where applicable. Cryptocurrency disposals including Bitcoin, Ethereum and crypto-to-crypto swaps are also CGT events under ATO rules — our crypto CGT calculator applies the same capital gains rules with the 50% discount for holdings over 12 months.
FY 2025/26 Tax Rates Applied
The calculator uses the current ATO individual tax brackets: tax-free threshold up to $18,200; 19% from $18,201–$45,000; 30% from $45,001–$135,000; 37% from $135,001–$190,000; and 45% above $190,000. Medicare levy of 2% is included where applicable.
How to Report CGT in Your Tax Return
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 on capital gains is paid as part of your normal tax assessment. You must keep detailed records of acquisition costs, disposal proceeds and any cost base adjustments for at least 5 years after the CGT event. Individual taxpayers, SMSF trustees and trust beneficiaries should consult a registered tax agent or tax accountant to ensure correct reporting in their tax return.
This calculator provides estimates for general guidance. Results are not financial or tax advice. Consult a registered tax agent or accountant for your specific CGT obligations. For detailed methodology, see the CGT Methodology Reference. Powered by AML Workflow — Australia's Tranche 2-ready AML compliance platform.