Capital gains tax calculator

Our ATO-compliant CGT calculator gives you fast, accurate estimates for property, shares, and crypto. Understand your tax position before you sell.

Start calculating your capital gains tax now

Capital gains tax (CGT) is the tax you pay on profits from selling assets like property, shares, or cryptocurrency. In Australia, CGT is part of your income tax and applies to most assets acquired after 20 September 1985.

Our free capital gains tax calculator helps you estimate your CGT based on ATO rules. Whether you are selling an investment property, shares, or digital assets, the tool calculates your capital gains quickly and accurately.

If you are wondering how much capital gains tax you might owe, our CGT calculator Australia gives reliable estimates using current tax thresholds and discount rules.

Avoid surprise tax bills, stay compliant, and plan ahead.

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Evaluate your CGT obligation with our capital gains tax calculator

Enter you property details

Have you owned the asset for more than 12 months?

Purchase price
Sold price
Cost of purchase
Cost of selling
Other taxable income

The estimated results

0,000

Based on your income    , purchase price     and sold price    , the estimated capital gains tax payable is    .

The 12-month ownership rule

Yes

Summary

Sold price

0

Cost of selling

0

Purchase price

0

Cost of purchase

0



Capital gain/(loss)

0

Taxable capital gain/(loss)

0

Other taxable income

0

Capital gain tax payable

0

The information provided by our income tax calculator is for estimation purposes only and should not be considered as professional tax advice.

Your actual taxation will need to take into account all of your personal circumstances, and this site is in no way a comprehensive calculator. Further please note:

  • The Medicare levy is not included in your marginal tax rate and is calculated separately.
  • The Medicare levy in this calculator is based on individual rates and does not consider family income or dependent children.
  • The calculations do not incorporate the Medicare Levy Surcharge (1%-1.5%), an additional levy imposed on individuals and families with higher incomes who lack private health insurance.
  • These calculations do not take into account any tax rebates or offsets that you may be eligible for.
  • The Higher Education Loan Program (HELP - previously HECS) is a student loan program where repayments are made once your income reaches the repayment thresholds. It is not factored into the calculation of tax payable.
  • The calculation of positive/negative gearing income may differ when performed by a tax professional.
  • If applicable, income from Capital Gain entered may be calculated differently if not in accordance with ATO guidelines.
  • Some of the expenses entered for calculation purposes may not qualify for deduction as per ATO regulations.

Please consult with a qualified tax professional for personalized guidance tailored to your individual circumstances.

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Why calculate your capital gains tax early?

Calculating your CGT early offers several financial and tax planning benefits. Here’s why it matters:

  • Plan the best time to sell – Understand how the 12-month rule and market timing affect your CGT discount.
  • Estimate your tax bill early – Avoid last-minute surprises and plan your payments confidently.
  • Improve cash flow management – Set aside funds in advance to cover your tax obligations.
  • Maximise after-tax returns – Compare different sale scenarios to see which option leaves you with more profit.
  • Stay compliant with ATO rules – Ensure your reporting is accurate and avoid penalties for errors or late lodgement.
  • Make informed investment decisions – Use CGT insights to decide whether to sell, hold, or reinvest assets
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How does the ATO calculate CGT?

The Australian Taxation Office allows three main methods for calculating capital gains tax. Each method applies depending on the type of asset, ownership period, and acquisition date:

Capital gain ATO methods

Do you know your exempt assets in capital gains tax calculations?

Here are the crucial exemptions to remember while calculating your CGT:

Assets acquired

Assets acquired

Assets acquired before Sep 20, 1985 are completely exempt from CGT considerations.

Main residence

Main residence

Your primary residence is generally exempt from CGT, but specific conditions might apply.

Granny flat arrangements

Granny flat arrangements

Eligible granny flat arrangements are not subject to CGT upon creation or termination.

Cars and motorcycles

Cars and motorcycles

Personal cars and motorcycles are exempt from CGT, regardless of when they're sold.

Personal use assets

Personal use assets

Assets for personal use costing under $10,000 are exempt from capital gains tax.

Specific awards and payouts

Specific awards and payouts

Certain awards and compensation payouts are exempt from Capital Gains Tax implications.

ZedPlus: Capital gains tax expertise

  • Specialised in CGT: Our team focuses on capital gains tax in Australia and follows ATO guidelines to ensure accurate and compliant outcomes.
  • Personalised CGT support: We tailor advice based on your specific assets, such as property, shares, and digital currencies, to help reduce tax where possible.
  • Clear and open communication:y: You receive a detailed explanation of your CGT estimate with no hidden charges or unexpected surprises.
  • Effective tax planning: We help you make informed decisions about when to sell assets and how to apply CGT discounts to minimise your obligations.
  • Accurate CGT calculator: Our calculator uses current ATO-approved methods to deliver reliable capital gains tax estimates for your planning needs.
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Frequently asked questions

The actual tax on $100,000 profit varies with your income bracket and ownership period. For long-term holdings, a 50% discount may reduce the taxable gain to $50,000, which is then taxed at your marginal rate.

A $200,000 capital gain is added to your taxable income. If you held the asset for more than 12 months, a 50% discount may apply, reducing the taxable portion to $100,000. Use a calculator to estimate your tax precisely.

For investment properties, CGT is calculated by subtracting the cost base from the sale price. If held longer than 12 months, you may receive a 50% discount. Your final tax is based on the reduced gain added to your income.

You may avoid CGT on property if it was your main residence for the entire ownership period. Renting it temporarily may still allow for partial exemptions, such as the 6-year rule. Keeping records is essential for claims.

If you move out of your main residence and rent it, you may treat it as your primary home for up to 6 years. This means you could still qualify for a full CGT exemption when you sell.

You may be exempt if the asset is your main residence, the gain is offset by capital losses, or the asset was acquired before 20 September 1985. The ATO outlines specific criteria for each exemption type.

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