Embed the Business Space at Home Tool (Australia) on your site
Drop the free business space at home tool (australia) into your website with one line of HTML. It stays up to date on its own, and every placement links back to 2Fin.
Marginal rate 32% including the Medicare levy · 2025–26 rate · checked 30 Jun 2026 · ATO
Mortgage interest, council rates, strata, home insurance
For running costs at the fixed rate
A desk or shared room
- Running costs you can claim a year
- $700
- Occupancy costs you can claim a year
- $0
- Tax value of the deductions over 4 years
- $896
- CGT on this space when you sell
- $0
The main residence exemption stays whole.
Set aside only for the business (a place of business)
- Running costs you can claim a year
- $700
- Occupancy costs you can claim a year
- $3,360
- Tax value of the deductions over 4 years
- $5,197
- CGT on this share of $100,000 growth*
- $5,600
35% of the gain is outside the main residence exemption.
What the place of business changes
- Occupancy deductions worth, over 4 years
- $4,301
- CGT on that share when you sell*
- − $5,600
- Net
- Tax on sale ahead by $1,299
Break-even growth: about $76,800 of growth taxed with the discount. Below that, the deductions are worth more than the tax on sale; above it, the tax on sale is larger.
*On growth up to 30 June 2027, with the 50% discount. If you sell after 1 July 2027, growth from that date is taxed too, under the new rules below — so the CGT shown is only the part up to 30 June 2027. Dollars are not adjusted for timing: the deductions arrive each year, the tax arrives when you sell.
| Growth | CGT on the share | Net |
|---|---|---|
| $50,000 | $2,800 | +$1,501 |
| $100,000(yours) | $5,600 | −$1,299 |
| $250,000 | $14,000 | −$9,699 |
Net = occupancy deductions’ tax value less the CGT. + means the deductions are worth more.
Law from 1 July 2027
Capital gains accruing after 1 July 2027
If you own the home as an individual (or through a trust or partnership), the 50% discount is generally replaced by indexation of the cost base and a 30% minimum tax on gains accruing after 1 July 2027; if you invest in an eligible new build, you can choose the discount instead. Your gains before then keep the discount, and your main residence exemption is unaffected. The CGT figures above cover growth up to 30 June 2027 only. Growth from 1 July 2027 on this share is taxed under the new rules instead.
This tool doesn’t estimate the tax on growth after 1 July 2027 yet: the method for splitting a gain at that date hasn’t been published.
checked 27 Sep 2026 · ATO
- Occupancy costs count only when an area is set aside and used exclusively as a place of business. A desk in a shared room or a study also used privately is running costs only.
- The taxed share is the floor-area share the mortgage interest would be deductible for — claiming it or not doesn’t change that.
- This assumes the space is used for the business until you sell. If the business started after you moved in, the ATO generally measures the gain from the home’s market value at that date.
- The small business CGT concessions rarely apply to a home, because the whole home has to be an active asset.
- If the home falls in value, enter 0: the business share of a capital loss can only reduce capital gains, not your other income, so it isn’t shown as a tax saving here.
General information, not personal tax advice. Check your situation with a registered tax agent.
This is the live widget — exactly what your visitors see.
Add this calculator to your site
Free to use on your own site — drop this in wherever you like, and Fin keeps it up to date for you.
<iframe src="https://ai2fin.com/embed/home-business-cgt-calculator" title="Business Space at Home Tool (Australia) by 2Fin" width="100%" height="1400" style="border:0;max-width:480px;width:100%" loading="lazy"></iframe>
<p style="margin:4px 0 0;font:12px/1.4 sans-serif"><a href="https://ai2fin.com/tools/home-business-cgt-calculator" target="_blank" rel="noopener">Powered by 2Fin</a></p>Each embed links back to 2Fin. General information, not tax advice.
Add it in three steps
- 1
Copy
Copy the one-line embed code above.
- 2
Paste
Drop it into your page’s HTML wherever you want the calculator.
- 3
Done
It loads instantly and Fin keeps the rates current — nothing to maintain.
A widget you can trust
Built to be a good citizen on your page — accurate, free, and low-maintenance.
Sourced & dated rates
Every figure is computed from published government rates, each cited to its authority with a verified date.
Free forever
No sign-up, no API key, no usage limits. Use it on as many pages as you like.
Always current
Fin updates the rates centrally, so your embedded widget never goes stale — nothing to maintain.
Privacy-friendly
The widget collects nothing from your visitors — it just does the maths in their browser.
General information, not tax advice. Rates for guidance — check specifics with the relevant authority.
Prefer the full calculator?
Open the complete business space at home tool (australia) — with the worked example, method and common questions — or let Fin track it all for you automatically. Free to start, no card needed.
Explore the tax tools
All tools →Capital Gains Tax (AU)
Sold an asset? Fin works out your CGT — the 50% discount and your losses, at your marginal rate.
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.
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.
Crypto Tax (AU)
Sold or swapped crypto? Fin works out the CGT — same 50% discount, at your marginal rate.
Company Tax Calculator
See the tax on your company’s profit across AU, UK, US, Canada and India — 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.