Estimate your capital gains tax on property, shares, or crypto. Includes the 50% CGT discount for assets held over 12 months, cost base adjustments, and the marginal rate impact based on your other income. Updated for 2026-27.
The 50% CGT discount applies because you held the asset for 3 years. Only $72,500 of your $145,000 gain is taxable.
| Component | Amount |
|---|---|
| Sale price | $550,000 |
| Less: purchase price | −$400,000 |
| Less: capital costs | −$5,000 |
| Gross capital gain | $145,000 |
| Less: 50% CGT discount | −$72,500 |
| Net capital gain (added to income) | $72,500 |
| Your other income | $85,000 |
| Estimated CGT payable | $24,775 |
Set the holding period to 11 months, then 13 months, to see how the 50% discount dramatically reduces your CGT. On a $150,000 gain, the discount saves tens of thousands in tax.
Include stamp duty, legal fees, agent commissions, and renovation costs. These reduce your capital gain and are often overlooked — they can save thousands in CGT.
Your CGT rate depends on your other income. Someone earning $50,000 pays a lower marginal rate on the gain than someone earning $180,000. Change your other income to see the effect.
Try different purchase/sale prices to model property vs share portfolio disposals. The same gain is taxed differently depending on your other income and holding period.
After CGT, your net proceeds are approximately $525,225. If you're looking to finance your next asset purchase, see what repayments would look like.
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Results are estimates only and should not be relied upon for financial decisions. Actual capital gains tax repayments will depend on the lender, your credit profile, and the specific terms offered. Interest rates used are for illustration purposes only and may not reflect current market rates.
Subject to lender approval, terms and conditions apply.
This calculator is general information only and is not financial advice.