Capital Gains Tax Calculator Australia 2026–27

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Formula at a glance

Australia CGT Calculator: Taxable gain — (gain − losses) × 50% if held 12+ months. Example: $50,000 gain on $90,000 income → Capital gains tax: $8,000 — How the Australia CGT Calculator works: Taxable gain — (gain − losses) × 50% if held 12+ months

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📘 About the Australia Capital Gains Tax Calculator

Australia has no separate CGT rate. Your net capital gain is added to your taxable income for the year and taxed at your marginal rate plus Medicare levy.

If you held the asset for 12 months or more, individuals only include half the gain. Capital losses reduce gains but not other income. Your main residence is usually exempt.

🧮 Formula

Taxable gain

(gain − losses) × 50% if held 12+ months

CGT

tax(income + taxable gain) − tax(income)

✏️ Worked examples

$50,000 gain on $90,000 income

You enter
Sale price (after selling costs)	0 $
Cost base (price + buying costs)	0 $
Or enter the gain	50,000 $
Held for	12 months or more
Your other taxable income	90,000 $
Capital losses	0 $

You get
Capital gains tax	$8,000
Gain	$50,000
50% discount	$25,000
Added to taxable income	$25,000
Effective rate on the gain	16%
You keep	$42,000

$8,000.

$20,000 short-term gain on $70,000

You enter
Sale price (after selling costs)	0 $
Cost base (price + buying costs)	0 $
Or enter the gain	20,000 $
Held for	Less than 12 months
Your other taxable income	70,000 $
Capital losses	0 $

You get
Capital gains tax	$6,400
Gain	$20,000
50% discount	Not available (held under 12 months)
Added to taxable income	$20,000
Effective rate on the gain	32%
You keep	$13,600

$6,400.

🧭 How to use this calculator

What you enter

Sale price (after selling costs) ($)
Cost base (price + buying costs) ($)
Or enter the gain ($)
Held for
Your other taxable income ($)
Capital losses ($)

What you get

Capital gains tax
Gain
50% discount
Added to taxable income
Effective rate on the gain
You keep

❓ Frequently asked questions

What is the CGT rate in Australia?

Your marginal tax rate plus 2% Medicare on the taxable part of the gain — effectively 7.5% to 23.5% of the gain with the 50% discount.

How does the 50% CGT discount work?

Individuals and trusts that hold an asset for at least 12 months include only half of the gain in taxable income.

Do I pay CGT on my home?

Not usually — your main residence is exempt, though part of the gain can be taxable if it was rented or used for business.

When is CGT paid?

With your tax return for the financial year in which you signed the sale contract.

📊 Australia Capital Gains Tax Calculator (50% Discount)