Crypto Tax Calculator Australia
Sold, swapped or spent crypto? Fin works out the capital gains tax — the 50% discount, your losses, 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 crypto tax works in Australia
The ATO treats crypto as a CGT asset, not currency. Every disposal — selling for AUD, swapping coins, or spending crypto — is a capital gains event. Your gain is the sale value minus the cost base (less any capital losses), added to your income and taxed at your marginal rate.
Held the coin more than 12 months? As an individual you get the 50% discount — a $20,000 gain becomes a $10,000 taxable gain, about $3,200 of tax on a $90,000 salary.
Resident individuals, 2026-27. Excludes personal-use-asset rules, staking/airdrop income (taxed as ordinary income, not CGT) and business/trading treatment. General information, not tax advice.
Crypto tax — common questions
Is cryptocurrency taxed in Australia?
Yes. The ATO treats crypto as a CGT asset, not as currency. When you dispose of it — sell for AUD, swap one coin for another, or spend it — you make a capital gain or loss that goes on your tax return.
Is swapping one crypto for another taxable?
Yes. A crypto-to-crypto swap is a disposal of the first coin, so it is a CGT event even though no AUD changed hands. The cost base of the new coin is its market value at the swap.
Do I get the 50% discount on crypto?
Yes — if you are an individual and held the coin for more than 12 months, only half the gain is taxed. A $20,000 gain held over a year becomes a $10,000 taxable gain.
How much tax will I pay on a crypto gain?
It is taxed at your marginal rate. On a $90,000 salary in 2026-27, a $20,000 gain held over 12 months adds about $3,200 of tax — roughly 32% of the discounted gain.
What if I made a loss on crypto?
A capital loss on crypto can offset capital gains (this year or carried forward), reducing your gain before the 50% discount. It cannot offset your salary income.
Track every disposal automatically
Fin records your buys, sells and swaps from your accounts and keeps a running CGT estimate — so crypto at tax time is just a tap. Free to start, no card needed.
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