How much capital gains tax will I pay?

A capital gain is added to your taxable income and taxed at your marginal rate. On a $100,000 gain held over 12 months, with $95,000 of other income, only $50,000 is taxed after the 50% discount — roughly $16,700 of CGT, about 17% of the gain.

What is the 50% CGT discount?

Australian resident individuals who hold an asset for at least 12 months pay tax on only half the net capital gain. Hold for under 12 months and the whole gain is taxed.

Capital Gains Tax Calculator Australia 2026-27 | CGT Discount

Your estimated CGT

Estimated capital gains tax

$—

added to your 2026-27 tax

Gross capital gain$—

50% CGT discount$—

Taxable gain added to income$—

You keep, after CGT$—

Effective rate on the gain —

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How is capital gains tax calculated in Australia?

There's no separate CGT rate. Your net capital gain is added to your assessable income and taxed at your marginal rate. On a $100,000 gain with $95,000 of other income, if you held the asset over 12 months only $50,000 is taxed after the 50% discount — about $16,700 of tax, roughly 17% of the gain. Enter your own numbers above.

The 50% CGT discount

Australian resident individuals who own an asset for at least 12 months pay tax on only half the gain. Sell inside 12 months and the whole gain is taxed at your marginal rate — often worth waiting for the anniversary if you're close.

CGT FAQ

Do I pay CGT on my family home?

Generally no — your main residence is usually exempt. CGT typically applies to investment properties, shares, crypto and other investments.

Can capital losses reduce my CGT?

Yes. Capital losses (this year or carried forward) are subtracted from your gains before the 50% discount is applied. This estimate assumes no losses — add them in your return.

Estimate only — general information, not tax advice. Confirm with a registered tax agent.