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
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 for the years its thresholds are on file (2025-26 and 2026-27: nil to $28,011, shaded in at 10% of the excess to $35,013; 2024-25: $27,222 to $34,027). LITO reduces income tax only, never the levy. 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.
Rates from the ATO
Source named on every result
193 countries
Covered for GST and VAT rates
Runs in your browser
Calculated on this page
Free, no sign-up
No card, no usage limits
The quick answer
Selling or swapping crypto is a CGT event. If you held it for more than 12 months (the days you bought and sold on are not counted) the 50% CGT discount applies. A separate personal-use exemption can apply only when the crypto cost under $10,000 and you kept and used it mainly to buy personal items, not as an investment.
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.
Keep your crypto with the rest of your money
Import your exchange’s CSV export into 2Fin so your trades sit beside the rest of your records, sorted and searchable, and come back to this calculator for the gain on each disposal. Free to start, no card needed.
Get 2Fin free →Explore the tax tools
All tools →
Capital Gains Tax
Sold an asset? Fin covers CGT in 71 countries — a figure where the rules are verified, the rule itself otherwise.
Income Tax & Take-Home
Your income tax, Medicare levy and take-home pay on any salary.
Tax rates by country
Every standard and reduced GST/VAT rate, with income and company tax, in one table.
GST Calculator
Add or remove GST/VAT on any amount, with the formula shown every time.
BAS Calculator (AU)
Your quarterly GST position — 1A, 1B and the net amount payable, worked out for you.
UK Income Tax & Take-Home
Your UK income tax, National Insurance and take-home pay — England, Wales & NI rates.
India Income Tax & Take-Home
Your India income tax on the new regime — the ₹75k standard deduction, the ₹12L rebate and 4% cess, with take-home.
US Income Tax & Take-Home
Your US federal income tax, Social Security and Medicare — single filer, with take-home pay.
Finland Income Tax & Tax Card
Your Finnish take-home pay and tax-card percentage (veroprosentti) — any municipality, church tax, YLE tax and contributions.
Cash Flow Forecast
Your next 90 days of cash for any way you earn, with the lowest point, the runway and a what-if test.
Loan Repayment Calculator
Home, car, business or personal loans: repayments, interest, offset, balloon, interest-only, extra repayments, a chart and the schedule as CSV.
Tax Return Calculator (AU)
Your estimated refund or amount to pay from income, tax withheld and deductions, with the working shown.
HECS/HELP Repayment
Your compulsory study-loan repayment on the marginal system, and what a pay rise really adds.
Superannuation (AU)
Your Super Guarantee, how much concessional cap is left, and whether Division 293 catches you.
Business Space at Home (AU)
A desk or a place of business? The deductions each year against the CGT on that share when you sell.
Tax Deduction Finder (AU)
Pick your work and how you earn, and get a checklist of what to claim and where each claim goes.
Depreciation Calculator
Prime cost or diminishing value the ATO way — days held, private use and a year-by-year schedule, or straight line for your books.
Receipts & Payments Account
Paste a bank statement CSV and get receipts and payments by category, with the closing balance — for club and charity treasurers.
Company Tax Calculator
See the tax on your company’s profit in 139 countries — every rate sourced.
Compare tax by country
Put countries side by side — rates, local names, structure and filing.
Tax facts
The weird, wonderful and true history of GST and VAT — every fact sourced.
Tax MCP for agents
Connect Claude, ChatGPT or your own agent to live tax rates.
