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Capital Gains Tax Calculator

Capital Gains Tax Calculator

Our calculator provides an estimate of the CGT to be paid based on the sale price of the property less the expenses that come with purchasing, maintaining, and selling the property.

Capital Gains Tax Calculator
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How to use the Capital gains tax calculator

Capital gains tax (CGT) applies to the likes of property investments, shares, gold, cryptocurrency and essentially all other assets. To use the capital gains tax calculator, you’ll need to enter some details about your asset:

  • Purchase price — How much you purchased the asset for.
  • Length of ownership — Whether you have owned the asset for less than 12 months or longer than 12 months.
  • Sold price — How much you have sold the asset for.
  • Current taxable income — Your current taxable income. This will help determine the tax rate at which the capital gain on your asset will be applied. It's important to note that any capital gains amount will be added to your current income before calculating the tax rate — i.e. a capital gains amount could force you into a higher tax bracket.
  • Total costs of purchasing, owning and selling the asset — This is the amount you have personally invested into the asset before sale. For example, if your asset is a property, this may include marketing for sale or renovations, which will be used to calculate your final capital gains amount.

Once you have entered the details about the asset and your income, click 'calculate' to see how much you may need to pay in capital gains tax.

Example of capital gains tax on shares

Annual Salary $100,000

Length of share ownership

More than 12 months

Capital gain on shares sold

$10,000

CGT on sale

$1,625

Hypothetical example only. Please seek professional tax advice to understand your personalised CGT liability.

Changes to capital gains tax from 1 July 2027

The Federal Government has announced proposed changes to how capital gains tax is applied in Australia from 1 July 2027. Under the changes, the current 50% CGT discount on assets held for more than 12 months will be replaced with a system that will tax the asset based on its inflation-adjusted value when it’s sold.

The aim is to tax only the real gains on the asset, as opposed to those simply reflecting price inflation during the period the asset was held. The changes would also see a minimum 30% CGT rate applied on all taxable capital gains.

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Money.com.au's nationally representative survey found that 39% of property investors say reducing the 50% CGT discount on the sale of investment properties would prompt them to step back from investing in real estate or sell existing investments to cash in on current tax settings.

A further 22% said that capping or limiting negative gearing concessions to one property would lead them to take similar action.

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Capital gains tax calculator FAQs

A capital gain or loss is the amount of money you make or lose on the sale of an asset. The capital difference is how much you purchase the asset for versus how much you sell it for.

Currently, the amount of CGT you will pay can vary depending on how long you have held the investment. If you own the asset for less than 12 months, you will have to pay 100% of the capital gain at your income tax rate. If you own the asset for longer than 12 months, you will pay tax on 50% of the capital gain. But this discount system is being removed for assets acquired after 1 July 2027 and will be replaced with an inflation linked discounting system, meaning tax will be applied based on the inflation-adjusted value of the asset when it’s sold.

Capital gains are taxed at the same rate as taxable income — i.e. if you earn $135,000 (30% marginal tax bracket) per year and make a taxable capital gain of $50,000, you will pay income tax on $185,000 (37% marginal rate) and your capital gains will be taxed at 37%.

As capital gains make up your taxable income, the taxation applied may also depend on how much other income you earned, and factors like whether you will be subject to the Medicare levy surcharge (i.e. whether you have a suitable level of private health insurance).

From 1 July 2027, a minimum CGT rate of 30% will apply.

The quickest way to determine if you need to pay CGT on your shares is to see if your shares have made money over the time since you bought them. If you are selling shares at a price below what you paid for them, you have made a loss and you do not need to worry about capital gains tax. If the price of your shares has risen since buying and you are now selling; you will have to pay CGT.

Any asset you have purchased or acquired since capital gains tax was first introduced (20 September 1985) will be subject to capital gains tax, with some exceptions for personal-use assets such as the family home or your personal vehicle.

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The calculator provided on money.com.au is intended for informational and illustrative purposes only. The results generated by this calculator are based on the inputs you provide and the assumptions set by us. These results should not be considered as financial advice or a recommendation to buy or sell any financial product. By using this calculator, you acknowledge and agree to the terms set out in this disclaimer. For more detailed information, please review our full terms and conditions on the website.

Assumptions:

  • The calculations do not account for changes in interest rates or other market conditions that may occur.
  • Results are approximations and may differ from actual payment schedules or amounts.
  • The calculator does not include all fees and charges that you may incur in relation to a financial product.

Limitation

  • This calculator does not guarantee the availability of any financial product or the accuracy of the calculations. Please consult a financial advisor or the relevant product provider to obtain specific advice tailored to your circumstances.
  • money.com.au does not accept any liability for errors or omissions, or for any loss you may suffer as a result of relying on these calculations.
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Money is a corporate authorised representative (CAR 001318745) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C)
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