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Estimated results
Based on your current taxable income $0, purchase price $0 and sold price $0, your estimated capital gains tax payable is $0.
To use the Capital Gains Tax calculator, you’ll need to enter some details about your asset.
Capital Gains Tax is applied against investment property, Shares, Gold, Cryptocurrency, essentially all assets.
These are explained below:
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Length of Ownership — Whether you have owned the asset for less than 12 months or longer than 12 months.
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Purchase Price — How much you purchased the asset for.
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Sold Price — How much you have sold the asset for.
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Cost of Purchase - The cost of purchase includes all associated expenses incurred when acquiring an asset. For instance, when purchasing property in Australia, the buyer typically pays stamp duty to the state government, which is a significant component of the purchase costs. Additionally, the buyer may engage the services of a conveyancer or lawyer and might also opt for a building inspection prior to finalising the purchase. You can include all these costs in the Cost of Purchase.
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Costs of Selling — This represents the expenses incurred during the sale of your assets. For instance, when selling an investment property, common costs include real estate agent commissions, marketing expenditures, furniture rental, and pre-sale improvements such as painting and renovations.
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Current Taxable Income — Your current taxable income. This will help determine the tax rate at which the capital gains on your asset will be taxed. 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.
Once you have entered the details about the asset and your income, you can click Calculate to see how much you will need to pay in Capital Gains Tax.
This tool is designed to specifically calculate the tax due for capital gains tax only and should not be viewed as a comprehensive assessment of your total income tax obligations. It is tailored exclusively for Australian resident taxpayers. If you are contemplating the sale of your investment property, we recommend consulting with your accountant to verify the CGT calculation. Should you not have a property accountant, please consider reaching out to Investax for a professional assessment of your calculation.
Capital Gains Tax Calculator Australia
Estimate your capital gains tax before selling property, shares, crypto or other investment assets in Australia.
Use the Investax Capital Gains Tax Calculator Australia to estimate your possible CGT outcome based on your purchase price, sale price, ownership period, eligible costs and taxable income. This capital gains tax calculator is designed for Australian investors who want a practical starting point before making a sale decision.
You can use this CGT calculator for investment property, shares, ETFs, managed funds, crypto assets, business assets and other taxable investment assets.
If you are searching for a capital gains calculator, capital gain tax calculator or CGT calculator Australia, this page is designed to help you understand the estimated tax impact before you sell. The correct tax term in Australia is usually capital gains tax, often shortened to CGT.
Your result is an estimate only. Your final tax position may change depending on your residency status, ownership structure, capital losses, main residence exemption, depreciation, cost base adjustments and other tax rules. For official guidance, you can review the ATO capital gains tax guide.
If you are planning to sell an investment property or high-value asset, Investax can help you review the tax impact before you make a final decision. You can also explore our property tax advice in Sydney for tailored support.
Calculate Your Capital Gains Tax in Australia
To estimate your capital gains tax, enter the details of the asset you sold or plan to sell. The calculator uses your capital proceeds, cost base, ownership period and taxable income to estimate your potential taxable capital gain.
You may need the following details before using the calculator:
- Purchase price
- Sale price
- Purchase date
- Sale date
- Buying costs
- Selling costs
- Improvement or renovation costs
- Taxable income
- Ownership percentage
- Available capital losses
The more accurate your information, the more useful your estimate will be. If you want to compare other useful tools, visit the Investax Australian Tax Calculators page.
How Much Capital Gains Tax Will I Pay?
Many Australians search for “how much capital gains tax will I pay” before selling a property, share portfolio, crypto asset or business asset. The answer depends on your capital gain, cost base, ownership period, taxable income, available capital losses and whether any exemption or discount applies.
A simple CGT estimate usually follows this process:
- Start with the sale price of the asset.
- Subtract the cost base.
- Apply any eligible capital losses.
- Apply any eligible CGT discount.
- Add the taxable capital gain to your taxable income.
If you are wondering “how much is capital gains tax in Australia”, the key point is that CGT is generally linked to your income tax position. Your taxable capital gain is included in your assessable income and taxed based on your marginal tax rate.
For official calculation guidance, see the ATO page on how to calculate your CGT.
Example: How Much Capital Gains Tax Do I Pay on $100,000?
A common question is: “how much capital gains tax do I pay on $100,000?”
If you made a $100,000 capital gain, your taxable capital gain may be different depending on how long you owned the asset and whether you qualify for the CGT discount.
If the asset was held for less than 12 months, you may not be eligible for the 50% CGT discount, so the full $100,000 gain may be included in your taxable capital gain.
If the asset was held for more than 12 months and you qualify for the 50% CGT discount, the taxable capital gain may reduce to $50,000 before being added to your assessable income.
This does not mean your tax payable is $50,000. The taxable capital gain is added to your income and taxed based on your personal tax situation.
If the asset is high value, jointly owned, inherited, previously used as your home, or held through a trust, company or SMSF, you should seek professional advice before relying on a basic estimate.
Capital Gains Tax Calculator for Investment Property
Many Australian property investors use a capital gains tax on investment property calculator before selling a rental property. This helps estimate whether the sale may create a taxable capital gain and how much may need to be included in taxable income.
If you are looking for a capital gains tax on property calculator Australia, this tool can help you estimate the likely CGT impact before selling an Australian investment property.
When calculating CGT on investment property, you may need to consider the original purchase price, stamp duty, legal fees, buyer’s agent fees, renovation costs, improvement costs, selling agent commission, advertising costs, conveyancing costs, depreciation, capital works deductions, ownership percentage, main residence history and capital losses from other assets.
Investment property CGT can become complex when the property was previously your home, partly rented, jointly owned, inherited, renovated, subdivided or held through a trust, company or SMSF.
For property-specific guidance, read the ATO information on capital gains tax when selling a rental property.
If you are selling a rental property or planning your ownership structure, Investax can assist with investment property tax advice in Sydney.
Use this calculator as a starting estimate, then speak with a tax accountant before signing a sale contract or finalising your tax return.
How to Calculate Capital Gains Tax on Property
If you want to know how to calculate capital gains tax on property, start by comparing the property’s sale proceeds with its cost base.
Your property cost base may include:
- Original purchase price
- Stamp duty
- Legal fees
- Buyer’s agent fees
- Renovation and improvement costs
- Selling agent commission
- Advertising costs
- Conveyancing fees
- Certain ownership-related costs, depending on your situation
If you are asking “how much is capital gains tax on property”, the answer depends on the size of your capital gain and your personal tax position. Two investors can sell similar properties and still have different CGT outcomes because their income, ownership structure, cost base, holding period and exemption eligibility may differ.
Does CGT Differ in NSW, QLD, VIC or WA?
Capital gains tax is generally part of the Australian federal income tax system. This means the core CGT calculation is not different simply because your property is located in NSW, QLD, VIC, WA, SA, TAS, ACT or NT.
If you are searching for a capital gains tax calculator NSW, capital gains tax calculator QLD, CGT calculator NSW or CGT calculator QLD, this calculator can still help you estimate your Australian CGT position.
You can use this CGT calculator for Australian assets, including investment properties in:
- New South Wales
- Queensland
- Victoria
- Western Australia
- South Australia
- Tasmania
- Australian Capital Territory
- Northern Territory
State-based property costs can still affect your CGT estimate. For example, stamp duty, legal fees and selling costs may vary depending on the state or territory. These costs can influence your cost base and therefore your estimated capital gain.
How to Calculate Capital Gains Tax
If you are searching for how to calculate capital gains tax, the first step is to calculate whether you have made a capital gain or a capital loss.
Your cost base may include the purchase price and certain eligible costs connected to buying, holding or selling the asset. After calculating the gain, you may be able to reduce it with capital losses or a CGT discount if you qualify.
For many individual Australian residents, a 50% CGT discount may apply when the asset has been owned for at least 12 months. However, this depends on your situation and the type of asset.
For official details, see the ATO guide on calculating your CGT.
What Costs Can Be Included in the CGT Cost Base?
Your cost base is one of the most important parts of a CGT calculation. A higher eligible cost base may reduce your capital gain.
Depending on the asset, your cost base may include purchase price, stamp duty, legal fees, buyer’s agent fees, brokerage fees, valuation fees, capital improvement costs, renovation costs, selling agent commission, advertising costs and conveyancing fees.
Not every expense can be included. Some costs may be treated differently if they have already been claimed as tax deductions.
For official guidance, check the ATO page on the cost base of CGT assets.
For investment property owners, this is especially important because depreciation and capital works deductions may affect the CGT calculation.
50% CGT Discount in Australia
The 50% CGT discount may reduce the taxable capital gain for eligible Australian resident individuals who have owned the asset for at least 12 months.
For example, if you have a $100,000 capital gain and qualify for the 50% CGT discount, only $50,000 may be included as your discounted capital gain before applying your marginal tax rate.
The discount may not apply in every case. It can depend on your residency status, ownership structure, asset type and timing.
For official details, read the ATO page on the CGT discount.
Can I Use This Calculator for Shares, ETFs and Crypto?
Yes, this calculator can be used as a simple estimate for shares, ETFs, managed funds and crypto assets.
For shares and ETFs, you may need the purchase price, sale price, brokerage fees, purchase date, sale date, number of units sold, capital losses and dividend reinvestment details.
For a more specific estimate, use the Investax Capital Gains Tax Calculator for Shares.
For crypto assets, you may need accurate records of purchase price, sale price, disposal date, transaction fees and exchange records. You can also use the Investax Capital Gains Tax Calculator for Crypto.
If you bought the same asset at different times or sold only part of your holding, your CGT calculation may need parcel-level records.
New CGT Calculator Australia: What Should You Check?
If you are searching for a new CGT calculator or new CGT calculator Australia, make sure the calculator asks for the right details and explains the limits of the estimate.
Before relying on any CGT estimate, check whether the calculator is suitable for the type of asset you are selling. Property, shares, crypto, trusts, companies, SMSFs and inherited assets may involve different records and tax considerations.
You should also check whether your situation involves complex issues such as foreign residency, main residence exemption, capital losses, depreciation, business assets or ownership structure. In these cases, a calculator can help you prepare, but personalised advice may still be required.
CGT and Ownership Structure
The structure used to hold an asset can affect how capital gains tax is calculated, reported and paid.
Ownership structure matters because individuals, joint owners, trusts, companies and SMSFs may be treated differently for CGT purposes.
This may be relevant if an asset is owned by an individual, a couple, joint owners, a family trust, a unit trust, a company, an SMSF or another business entity.
Before buying, transferring or selling a major asset, consider whether your ownership structure matches your tax planning, asset protection and long-term wealth goals. Investax provides investment structure services in Australia for investors who need strategic structuring advice.
What This Calculator Does Not Cover
This calculator is designed to give a general estimate only. It may not fully calculate complex CGT situations.
You should get personalised advice if your CGT situation involves a main residence exemption, inherited property, foreign residency, trusts, companies, SMSFs, business assets or complex depreciation adjustments.
This calculator may not fully cover:
- Main residence exemption
- Partial main residence exemption
- Foreign resident CGT rules
- Inherited property
- Deceased estate assets
- Trust, company or SMSF ownership
- Small business CGT concessions
- Subdivided property
- Property used for both private and rental purposes
- Carried-forward capital losses
- Complex depreciation adjustments
- Assets with missing historical records
For foreign resident rules, review the ATO page on foreign residents and capital gains tax.
For these situations, personalised tax advice is strongly recommended.
Capital Gains Tax Planning Before You Sell
A CGT calculator gives you an estimate, but good planning should happen before you sell the asset.
If you wait until after settlement, you may have fewer options to manage the tax outcome. Before selling, you may need to review timing, ownership structure, available capital losses, main residence history, depreciation records, improvement costs and your expected taxable income for the year.
For property investors, this is especially important because a sale can affect cash flow, loan planning, reinvestment strategy and tax payable. Strategic planning before sale can help you understand the likely tax impact and avoid surprises at tax time.
If you need professional support, you can book a complimentary consultation with Investax to discuss your CGT estimate, investment property tax position or ownership structure before selling.
FAQs
What is the best capital gains tax calculator Australia investors can use?
The best capital gains tax calculator Australia investors can use is one that asks for purchase price, sale price, ownership period, cost base, selling costs, taxable income and possible CGT discount eligibility. It should also clearly explain that the result is an estimate, not personalised tax advice.
Is this the same as a capital gains calculator?
A capital gains calculator usually estimates the gain made on an asset, while a capital gains tax calculator estimates the possible tax impact. In Australia, investors often use both terms when searching for a CGT estimate.
Is “capital gain tax calculator” the same as “capital gains tax calculator”?
Many people search for “capital gain tax calculator”, but the more common Australian tax term is “capital gains tax calculator”. Both searches usually refer to a tool that estimates the tax impact of selling an asset.
How much capital gains tax do I pay on $100,000 in Australia?
It depends on your taxable income, ownership period, cost base, available capital losses and whether you qualify for a CGT discount. If you are eligible for the 50% CGT discount, a $100,000 capital gain may become a $50,000 taxable capital gain before being added to your assessable income.
How much capital gains tax will I pay?
Your CGT depends on your capital gain, cost base, taxable income, ownership period, available capital losses and CGT discount eligibility. The taxable capital gain is generally included in your assessable income.
How much is capital gains tax in Australia?
Capital gains tax in Australia is generally not charged at one fixed rate. Your taxable capital gain is usually included in your assessable income and taxed based on your personal tax situation.
How much is capital gains tax on property?
Capital gains tax on property depends on the property’s sale price, cost base, ownership period, ownership structure, main residence history, available capital losses and your taxable income.
Can I use this calculator for investment property?
Yes. You can use it to estimate CGT on an Australian investment property. For complex property situations, such as former main residence, partial rental use or depreciation claims, speak with an accountant who understands investment property tax.
Does the 50% CGT discount apply automatically?
No. The 50% CGT discount depends on eligibility. For many Australian resident individuals, the asset must generally be held for at least 12 months. Other rules may apply depending on your situation.
Is capital gains tax different in NSW and QLD?
The core CGT calculation is generally federal, not state-based. However, property-related costs such as stamp duty, legal fees and selling costs may vary by state and can affect the cost base.
Can I use this calculator for shares?
Yes. You can use it to estimate capital gains tax on shares and ETFs. Make sure you include brokerage fees, purchase date, sale date and any available capital losses. You can also use the dedicated CGT calculator for shares.
What is the cost base for capital gains tax?
The cost base is generally the purchase price plus eligible costs connected with acquiring, holding or selling the asset. These may include stamp duty, legal fees, brokerage, improvement costs and selling costs.
Do I pay CGT when selling my home?
Your main residence may be fully or partly exempt from CGT, depending on how the property was used. If it was rented out, used for business, partly owned, inherited or not always your main residence, the calculation may be more complex.
Can capital losses reduce capital gains tax?
Capital losses may be used to reduce capital gains, but they usually cannot be used to reduce ordinary income. If your capital losses exceed your capital gains, they may be carried forward to future years.
Why does taxable income matter for CGT?
Your taxable capital gain is generally added to your assessable income. This means your marginal tax rate can affect how much tax you ultimately pay.
When should I speak with a CGT accountant?
You should speak with a CGT accountant before selling if the asset is high value, jointly owned, inherited, partly exempt, connected to a business, affected by depreciation or owned through a trust, company or SMSF.
Need Help Estimating CGT Before You Sell?
A CGT calculator can give you a useful starting point, but it cannot replace tailored tax advice.
Investax helps Australian property investors, business owners and professionals understand the tax impact before selling investment assets. If you are planning to sell property, shares, crypto or business assets, speak with our tax advisory team before making a final decision.
Book a complimentary consultation with Investax to discuss your capital gains tax estimate, investment property tax position or ownership structure before selling.
