Crypto CGT Calculator
Estimate the income tax from selling one investment parcel of crypto. Enter AUD amounts, dates, annual income and capital losses, including the July 2027 transition.
Estimate the extra income tax from selling one investment parcel, held personally outside super. Enter your share of every amount.
Purchase price plus eligible acquisition costs. One parcel; no later cost-base adjustments.
Gross proceeds for the portion you are selling.
Usually the contract date. Older acquisitions are outside this calculator’s scope.
Usually the contract date, rather than settlement. This selects the tax year.
Eligible selling fees, such as brokerage or agent and legal fees.
Annual income after deductions, excluding this sale. Enter $0 if none.
Your carried capital losses from earlier tax years. Enter $0 if none.
Estimated extra income tax
FY2026–27
$3,000
Includes the low income tax offset effect. Excludes Medicare, HELP repayments and other tax offsets.
How the gain is calculated
- Gain / loss before discount
- $20,000
- Capital losses applied
- $0
- Discount applied after losses
- $10,000
- Net capital gain added to income
- $10,000
- Capital losses left to carry forward
- $0
How the tax is calculated
- Extra tax across income brackets
- $3,000
- Change from low income tax offset
- $0
- Minimum-tax top-up
- $0
Uses resident brackets for the sale year, holding FY2027–28 rates constant for later years. The minimum tax is calculated before offsets, on eligible gains only.
The link includes the amounts and dates entered. Editing does not add your inputs to the address bar.
Simplified estimate for a resident individual. Assumes cost base equals reduced cost base, with all acquisition costs eligible for indexation. No new-dwelling election, main-residence relief, quarantined rental losses, gifts/conservation adjustments, trusts, businesses or multiple parcels. These cases need a more detailed calculation.
Explore your assets, super and retirement plan in play mode. Full-plan projections currently use the existing CGT discount method; this dated 2027 calculation is available here only.
JettWorth is financial insights and scenario-modelling software. We are not a financial services provider and do not provide financial, investment or tax advice. Insights and illustrative projections are based on your inputs and assumptions. They are estimates, not guaranteed outcomes or recommendations about what you should do. Full disclaimer.
Disclaimer: This calculator provides estimates for general information purposes only. Results may not be 100% accurate and should not be relied upon for financial decisions. Tax rules, rates, and thresholds change — always verify with the ATO, official government sources, or a qualified financial adviser, tax professional, or accountant. This is not financial advice.
Which rules apply to my sale?
The sale date selects the Australian financial year. For an eligible sale before 1 July 2027, capital losses are applied before the 50% discount. The acquisition and disposal days are excluded when checking the 12-month holding period.
For a holding spanning July 2027, this calculator separates the pre-change gain or loss using the transition value you enter, then calculates the later gain or loss. Existing holdings are not permanently grandfathered. Eligible later gains use indexation and may attract a minimum-tax top-up.
The top-up compares 30% of the eligible gain with the extra basic income tax on that gain, before offsets. Receipt of a specified payment in the sale year can exempt you; age alone does not. See sections 112-155, 119-10 and 119-15 of the 2026 tax reform legislation.
What goes into the estimate?
We calculate income tax with and without the sale, using your other taxable income and the brackets for the sale year. This captures gains that cross tax brackets. The low income tax offset is included; Medicare, HELP and other offsets are excluded. Later years hold the legislated FY2027–28 brackets constant. See the resident income tax rates in Schedule 7.
Future CPI and transition values are assumptions. The inflation input estimates growth between the relevant quarters and rounds the factor to three decimals. All cost-base amounts are assumed to be eligible acquisition costs in the same quarter; selling costs occur in the sale quarter. Actual tax calculations require the published CPI series and your cost records.
When do I need a more detailed calculation?
This models one investment parcel owned by one Australian resident individual outside super, with no other sales that year. For joint ownership, enter only your share of each amount and your own income and losses. The purchase date must be from 22 September 1999; earlier acquisitions can involve additional methods.
Separate purchases, swaps, staking rewards, airdrops, business trading, personal-use exemptions and lost or stolen assets need separate treatment. Do not average parcels with different purchase dates.
Trusts, foreign-residency changes, rollovers, gifts/conservation deductions and business concessions are outside this estimate. Check the result with a qualified tax professional before acting.
Methodology checked 8 September 2026. Core reforms were enacted in June; further implementation provisions were under Treasury consultation in August 2026. This is a planning estimate, not a tax return calculation or financial advice.