Capital Gains Tax Calculator

Estimate your CGT liability when selling an investment property.

Tax rates for FY 2026-27 (last reviewed 2026-09-03)

Property & Sale Details

Purchase Price

$600,000

Sale Price

$850,000

Holding Period (years)

Cost Base Additions

Stamp duty, legal fees, renovations, agent fees on purchase

Selling Costs

Agent commission, marketing, legal, styling

Tax Entity & Rate

Entity Type

Marginal Tax Rate

Annual Taxable Income

$100,000 — 30% bracket

50% CGT Discount Applies

Held longer than 12 months as an individual — you pay tax on only 50% of the gain.

Estimated CGT Payable

$30,000

Effective tax rate on gain: 15.0%

Net Proceeds

$800,000

After selling costs and CGT

CGT Calculation Breakdown

Sale price$850,000

Less purchase price− $600,000

Less cost base additions− $30,000

Less selling costs− $20,000

Gross capital gain$200,000

Less CGT discount (50%)− $100,000

Taxable capital gain$100,000

Tax rate (30% ($45,001 – $135,000))× 30%

CGT payable$30,000

Policy Note: CGT & Government

CGT policy differs between Labor and Coalition governments. Key differences to be aware of:

•Coalition:Maintains the current 50% CGT discount for individuals and trusts on assets held >12 months.
•Labor: Has previously proposed reducing the CGT discount from 50% to 25% for assets purchased after a future date. This would double the effective CGT on new investments.
•Always check current policy settings with your tax adviser, as CGT rules can change with each federal budget.

Assumptions

•This calculator applies the FY 2026-27 tax rates. CGT is added to your assessable income in the year of the CGT event.
•The 50% CGT discount applies to individuals and trusts for assets held longer than 12 months. SMSF receives a 33.3% discount.
•This does not account for the Medicare levy, capital losses from other assets, or the main residence exemption.

This is a simplified estimate only. Capital gains tax interacts with your overall tax position — consult a registered tax agent for advice specific to your circumstances.

Policy Note: CGT & Government

CGT policy differs between Labor and Coalition governments. Key differences to be aware of:

•Coalition:Maintains the current 50% CGT discount for individuals and trusts on assets held >12 months.
•Labor: Has previously proposed reducing the CGT discount from 50% to 25% for assets purchased after a future date. This would double the effective CGT on new investments.
•Always check current policy settings with your tax adviser, as CGT rules can change with each federal budget.

Assumptions

•This calculator applies the FY 2026-27 tax rates. CGT is added to your assessable income in the year of the CGT event.

•The 50% CGT discount applies to individuals and trusts for assets held longer than 12 months. SMSF receives a 33.3% discount.

•This does not account for the Medicare levy, capital losses from other assets, or the main residence exemption.

This is a simplified estimate only. Capital gains tax interacts with your overall tax position — consult a registered tax agent for advice specific to your circumstances.

Capital Gains Tax Calculator

Property & Sale Details

Tax Entity & Rate

CGT Calculation Breakdown

Policy Note: CGT & Government

Assumptions

How to use this calculator

Capital Gains Tax Calculator

Property & Sale Details

Tax Entity & Rate

CGT Calculation Breakdown

Policy Note: CGT & Government

Assumptions

How to use this calculator