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SOUTHERN ALPHA

Tax · FY 2025-26

Capital gains tax calculator

Work out the CGT on a share, ETF, crypto or property sale — and what lands in your pocket after the ATO takes its share.

Gross capital gain
$30,000
Taxable gain after discount
$15,000
50% discount applied
CGT payable
$4,500
Effective CGT rate
15.00%

Net proceeds after tax

$45,500

Holding past 12 months saved you tax on $15,000 of gain.

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Income tax calculator

See your marginal rate before adding gains.

Compound interest calculator

Project the investment growth that triggered the gain.

Stamp duty calculator

Upfront cost on the property side of CGT.

Salary sacrifice calculator

Reduce taxable income in a high-gain year.

Frequently asked questions

What is the CGT discount in Australia?

Individuals get a 50% CGT discount on capital gains from assets held for more than 12 months. Companies do not get the discount; SMSFs get 33.33%.

Is CGT a separate tax?

No. Net capital gains are added to your assessable income and taxed at your marginal rate.

Do I pay CGT on my home?

Your principal place of residence is generally exempt from CGT, subject to conditions.

Do I pay CGT on crypto?

Yes. The ATO treats crypto as a CGT asset. Swapping one coin for another is a CGT event, not just selling for fiat.

Can I use capital losses to offset gains?

Yes — current-year and carried-forward capital losses reduce your gross capital gain before applying the 50% discount.

A simplified view

CGT is not a separate tax — your net capital gain is added to your assessable income and taxed at marginal rates. This calculator omits the Medicare levy, capital losses, cost-base adjustments (Div 110), and the main-residence exemption. For real transactions, talk to a registered tax agent.