Finance

Australia CGT Discount Calculator

Free Australia CGT discount calculator — enter sale proceeds, cost base, selling costs, capital losses, months held and other income to see the taxable gain after the 50% discount (resident individuals, 12+ months) and the estimated tax. Estimate only — confirm with the ATO.

Short answer: Australia CGT Discount Calculator — 50% CGT discount after 12 months — tax on the discounted gain at your marginal rate. Free Australia CGT discount calculator — enter sale proceeds, cost base, selling costs, capital losses, months held and other income to see the taxable gain after the 50% discount (resident individuals, 12+ months) and the estimated tax. Estimate only — confirm with the ATO. It answers “australia cgt discount calculator 50 percent 12 months”. Who it is for: Australian investors selling shares or an investment property; Property owners checking whether holding 12 months changes the tax; Share investors comparing a sale this year versus next year. It runs entirely in your browser — no sign-up, no account, no email and no upload — and every result can be exported as a dated PDF report.

✔ Price: free, unlimited use, no rate limits
✔ Sign-up: not required
✔ Privacy: all math runs client-side, nothing is uploaded
✔ Export: one-click PDF report (2026 rates)

Sale proceeds (AUD $)Cost base (AUD $)Selling costs (AUD $)Capital losses to apply (AUD $)Months heldOther taxable income (AUD $)

ATO method: capital gain = proceeds − cost base − selling costs; capital losses are applied before the discount; resident individuals and trusts who held the asset for at least 12 months discount the remaining gain by 50%. Companies get no discount and complying super funds get 33.33% — this tool models resident individuals only. Note: CGT discount rules for gains accruing after 1 July 2027 are changing — confirm the ATO position for your sale date.

Capital gain

A$185,000.00

Taxable gain after discount

A$92,500.00

50% discount applied

Estimated CGT

A$33,825.00

At your marginal rate + Medicare levy

After-tax proceeds kept

A$551,175.00

Before repaying any loan

Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.

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Who is this tool for?

✔ Australian investors selling shares or an investment property
✔ Property owners checking whether holding 12 months changes the tax
✔ Share investors comparing a sale this year versus next year
✔ Anyone with capital losses deciding which gains to offset first
✔ Sellers budgeting the tax bill before settlement

How to use Australia CGT Discount Calculator

Enter the sale proceeds, cost base and selling costs.
Enter any capital losses to apply.
Enter how many months you held the asset and your other taxable income.
Read the capital gain, the taxable gain after discount, and the estimated CGT.

Frequently asked questions

Who is this CGT discount calculator for?

Resident individuals and trusts selling an asset — shares, an investment property or another CGT asset — who want to see how the 50% discount and their marginal rate combine into a tax bill.

Who should not rely on this calculator alone?

Companies (no discount), complying super funds (33.33% discount), foreign or temporary residents, and sellers of a main residence or an asset with a partial exemption. Those need ATO guidance or a tax agent.

How does the 50% CGT discount work?

For resident individuals and trusts who owned the asset for at least 12 months, only half of the net capital gain (after capital losses) is added to taxable income. The ATO counts the holding period excluding both the acquisition day and the CGT event day.

Are capital losses applied before or after the discount?

Before. You subtract current-year and carried-forward capital losses from the gain first, then apply the 50% discount to what remains. Applying losses to non-discounted gains first gives the lowest tax — this tool applies your entered losses to the gain shown.

When does the CGT event happen for property?

On the contract date, not settlement. That date also decides which tax year the gain belongs in and whether the 12-month holding test is met.

Will the CGT discount change?

The ATO notes that CGT discount rules for gains accruing after 1 July 2027 are changing to an inflation-based approach. Confirm the ATO position for your sale date — this tool models the current 50% discount for resident individuals.

Is CGT a separate tax?

No. The net capital gain is added to your taxable income and taxed at your marginal rate (plus the Medicare levy in this estimate). That is why your other income matters to the result.

Australia cgt discount calculator 50 percent 12 months?

Use the Australia CGT Discount Calculator above: 50% CGT discount after 12 months — tax on the discounted gain at your marginal rate. Free Australia CGT discount calculator — enter sale proceeds, cost base, selling costs, capital losses, months held and other income to see the taxable gain after the 50% discount (resident individuals, 12+ months) and the estimated tax. Estimate only — confirm with the ATO. Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.