Crypto CGT Calculator
See what the Federal Budget 2026 reforms do to your crypto sale. The ATO treats crypto as a CGT asset — same 50% discount today, same replacement by an inflation indexation method with a 30% minimum tax from 1 July 2027.
What you paid in AUD when you acquired the units
What you'd sell for in AUD
Exchange fees on disposal. Often 0-0.5%.
2.5% is the RBA target band midpoint
You'd pay $3,131 more tax under the new rules — a 85% increase.
Today's rules
50% discount, until 30 Jun 2027
Tax owed
$3,700
From 1 Jul 2027
Inflation method + 30% floor
Tax owed
$6,831
Your real gain × marginal rate produced a higher tax bill than the 30% floor on the nominal gain.
Want to see how this affects your whole financial picture — your assets, super, retirement plan?
Try the full planDisclaimer: 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.
How CGT works on crypto in Australia
The ATO classifies cryptocurrency as a CGT asset, not as money or a foreign currency. When you sell, swap one coin for another, or spend crypto, you trigger a CGT event. The gain is the difference between the AUD value at disposal and your cost base in AUD when you acquired it.
Today, holding for at least 12 months gives you a 50% discount on the gain. From 1 July 2027, that discount is replaced — your AUD cost base is uplifted by inflation across the holding period, and only the “real” gain is taxed at your marginal rate, with a 30% floor on the nominal gain.
What this calculator does not include
- Crypto-to-crypto swaps treated as separate CGT events (the calculator models a single AUD-denominated buy and sell)
- Cost-base layering across multiple buy parcels — we use a single average purchase price
- Staking rewards, airdrops, or DeFi yield (taxed as ordinary income, not CGT, when received)
- Lost or stolen crypto and capital loss claims
- Your other taxable income for the year (we use a flat marginal rate you pick)
For a full picture of how a crypto sale flows through your tax, super, and retirement plan, try the JettWorth play mode — no sign-up required.
Grandfathering — does this apply to crypto I already hold?
No. Crypto acquired on or before 12 May 2026 (Budget night) keeps today's 50% discount permanently. The new rules only apply to units you acquire after Budget night, and only to gains realised after 1 July 2027. Each separate parcel (each individual buy transaction) is treated as having its own acquisition date, so a portfolio you've been dollar-cost-averaging into will end up split between old-rules and new-rules parcels.
Important: this is not financial advice
JettWorth is an insights platform, not a licensed financial adviser. Numbers shown here are projections based on the assumptions you enter and the policy as announced — final legislation may differ. Always consult a qualified financial adviser, accountant, or tax professional before acting on what you see here.