Capital Gains Tax Calculator Australia
Sold an asset? Fin works out the CGT — the 50% discount, your losses, and tax at your marginal rate. Selling after 1 July 2027? See today’s figure beside the new rules.
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
Held at least 12 months: the 50% CGT discount applies
Free to start. Connect a bank or drop in a statement.
- An Australian resident individual; capital losses are applied before the discount.
- The income-tax figure includes the Medicare levy and offsets, as the AU income-tax scheme does.
- Held 13 whole months; near a boundary, pass acquiredOn for the exact day.
- Income tax as the engine computes it for Australia: Includes the Medicare levy low-income reduction (nil to $28,011, shaded in at 10% of the excess to $35,013). Excludes HECS/HELP, the Medicare levy surcharge, the seniors and pensioners thresholds, family thresholds and other offsets.
Fin adds the discounted gain to your income and taxes it at your marginal rate (incl. Medicare). AU resident individuals; excludes the main-residence exemption and small-business concessions. Indicative only — general information, not tax advice.
Outside Australia? Pick your country — Fin covers capital gains in 71 countries: a figure where the rules are verified, the rule itself otherwise.
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.
What changes for capital gains tax from 1 July 2027?
For individuals, trusts and partnerships, the 50% discount gives way to cost-base indexation and a 30% minimum tax on growth after 30 June 2027. An asset you hold on 30 June 2027 is treated as sold just before 1 July 2027 at market value: the gain to then keeps the discount, and later growth is indexed by CPI and taxed at your marginal rate or 30%, whichever is higher. Tick "Selling on or after 1 July 2027" in the calculator to see both figures side by side. A main residence stays exempt, a new residential dwelling can choose the discount instead, and income-support recipients are exempt from the 30% minimum.
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 leaves out the frozen indexation for assets bought before 21 September 1999 and small-business concessions. If part of your home is set aside as a place of business, or a lodger rents a room, part of the gain can be taxed — the business space at home tool shows the trade-off.
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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