Capital Gains Tax Calculator Australia
Sold an asset? Fin works out the CGT — the 50% discount, your losses, and tax at your marginal rate.
Capital gains tax
$3,200
on a $10,000 taxable gain · 32.0% effective
- Gross capital gain
- $20,000
- Less 50% CGT discount
- − $10,000
- Taxable capital gain
- $10,000
- Tax on the gain (2026-27)
- $3,200
Fin adds the discounted gain to your income and taxes it at your marginal rate (incl. 2% Medicare). AU resident individuals; excludes the main-residence exemption, indexation and small-business concessions. Indicative only — general information, not tax advice.
How CGT works in Australia
Australia has no separate capital gains tax rate. Your net capital gain (sale price minus cost base, less any capital losses) is added to your income and taxed at your marginal rate. The key break: if you’re an individual and held the asset for more than 12 months, only half the gain is taxed — the 50% CGT discount.
Example: a $20,000 gain held over a year is discounted to a $10,000 taxable gain. On a $90,000salary that’s about $3,200 of extra tax — your marginal rate on the discounted half.
Resident individuals, 2026-27. Excludes the main-residence exemption, indexation and small-business concessions. General information, not tax advice.
Capital gains tax — common questions
How is capital gains tax calculated in Australia?
There is no separate CGT rate — your net capital gain is added to your income and taxed at your marginal rate. Net gain = sale price − cost base, less any capital losses; if you held the asset over 12 months you (as an individual) get a 50% discount on what remains.
What is the 50% CGT discount?
Individuals (and trusts) who hold an asset for more than 12 months only pay tax on half the capital gain. Companies do not get the discount.
How much CGT on a $20,000 gain?
On a $20,000 gain held over 12 months, the 50% discount leaves a $10,000 taxable gain. On a $90,000 salary in 2026-27 that adds about $3,200 of tax — roughly 32% of the discounted gain.
Do capital losses reduce my CGT?
Yes. Capital losses (this year or carried forward) reduce your gross gain first, before the 50% discount is applied.
Is the main home included?
Your main residence is generally exempt from CGT, so it is excluded here. This tool also excludes indexation (pre-1999 assets) and small-business concessions.
Track every gain through the year
Fin keeps a running tally of your assets and gains from your bank feed — so CGT at tax time is just a tap. Free to start, no card needed.
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All tools →Crypto Tax (AU)
Sold or swapped crypto? Fin works out the CGT — same 50% discount, at your marginal rate.
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