Property & Real Estate

Crypto CGT Calculators

Sold Bitcoin? Swapped ETH? Earning staking rewards? This calculator gives you an instant, ATO-aligned estimate of your crypto tax no spreadsheet required.

Trading, Staking & Airdrops50% Discount AppliedNo SignupLosses Offset
Crypto CGT Calculator Australia

₿ Crypto CGT Calculator — Australia

Calculate Capital Gains Tax on crypto trading, staking rewards & airdrops. ATO-aligned tax treatment. Free · No signup.

📈 Trading: CGT applies to each crypto trade. Enter values in AUD convert USD/crypto using the ATO monthly exchange rate at each transaction date.
💰 Staking Rewards: Staking rewards are taxed as ordinary income, not CGT. Tax is calculated at your marginal rate + 2% Medicare levy on the full AUD value when received.
🎁 Airdrops: Airdrops are taxed as ordinary income at fair market value (FMV) on receipt date. Taxed at your marginal rate + 2% Medicare levy.
Your Crypto Tax Estimate
✓ 50% CGT Discount Applied — held 12+ months
⚠️ Taxed as Income — staking/airdrop rules apply
Capital Gain / Income
—
Taxable Amount
—
Estimated Tax Payable
—
Includes 2% Medicare levy · 2025–26 ATO rates
Step-by-Step Breakdown
Proceeds / Income Received—
Less: Purchase Price / Cost—
Less: Trading / Processing Fees—
Less: Capital Losses Applied—
50% CGT Discount—
Taxable Amount—
Tax at Marginal Rate—
Medicare Levy (2%)—
Total Tax Payable—
Net After Tax
—
Effective Tax Rate
—
⚠️ Estimate only — not tax advice. Crypto tax is complex. Consult a registered tax agent for your personal circumstances.

🚨 2026 Federal Budget Major CGT Changes for Crypto from 1 July 2027

From 1 July 2027, the 50% CGT discount on crypto will be replaced by cost-base indexation  only real, above-inflation gains are taxed plus a 30% minimum tax rate. If you purchased crypto on or before 12 May 2026, you’re grandfathered: the 50% discount continues for gains accrued before 1 July 2027. Crypto purchased after 1 July 2027 uses the new indexation method from day one. This calculator reflects current 2025–26 rules. If you’re sitting on large unrealised gains, speak to your accountant about whether it makes sense to sell before the transition.

How it works

How the Crypto CGT Calculator Works

From your trade data to your estimated tax bill in four steps by using Crypto CGT Calculator. Trading fees, the 50% discount and capital losses are all handled automatically.

Choose Your Tax Type

Select the tab that matches your situation, Trading (CGT applies), Staking Rewards (ordinary income), or Airdrops (ordinary income). Each type is taxed differently, and this calculator handles all three correctly.

Enter Your Numbers in AUD

Enter your sale proceeds, purchase price and trading fees, all in AUD. If you originally bought in USD, convert at the ATO monthly exchange rate at each transaction date. This is a legal requirement not a choice.

Offset Losses & Apply Discount

Capital losses from other trades or previous years are deducted first. If you held for 12+ months the remaining gain is halved. The ATO requires losses to come before the discount this order is mandatory.

See Your Tax Estimate

Your taxable gain or income is added to your salary and taxed at your marginal rate. We include the 2% Medicare levy and give you a full line-by-line breakdown of exactly where the number comes from.

Calculating Guide

How to calculate CGT on Crypto CGT Calculator

Step by step guide on How to use Crypto CGT Calculator.

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Cost Base Explained

What Counts in Your Crypto Cost Base?

Counts

Purchase Price

AUD value at acquisition

Exchange/Trading Fees

Buy-side commission

Gas Fees (Ethereum)

Network fees on purchase

FX Conversion Fees

USD → AUD conversion costs

Transfer Fees (to cold storage)

If directly related to acquisition

Effect on your CGT

Reduces capital gain ↓

Tip: Every buy-side fee you forget to include is extra tax you don’t owe. On a $50,000 purchase with 0.3% trading fees, that’s $150 in cost base you’re leaving on the table.

Doesn’t Count

Platform Subscription Fees

Ongoing account/service costs

Staking Income Already Taxed

Taxed as income, not cost base

Portfolio Tracker Costs

Not a direct acquisition cost

Hardware Wallet Purchase

Not included in cost base

Internet / Electricity Costs

Not deductible (unless business)

Effect on your CGT

No direct CGT reduction

Important: When you later sell staking rewards or airdrop tokens, your cost base is the FMV at the time you received them (when income tax was applied) not zero. This avoids double taxation.

Real Example

Bitcoin Sale After 2 Years

Here’s exactly how a real Bitcoin trade is calculated for an Australian investor step by step, with the 50% discount applied correctly or you can use Crypto CGT Calculator above to get exact rate for data.

PURCHASED (January 2023)

0.5 BTC at $45,000 AUD

$22,500

Exchange fee (0.25%)

$56.25

Total Cost Base

$22,556.25

Sold (March 2025)

0.5 BTC at $90,000 AUD

$45,000

Exchange fee (0.25%)

$112.50

Total added to cost base

$44,887.50

Net proceeds

$44,887.50

Less: Cost base

−$22,556.25

Capital gain

$22,331.25

50% discount applied (held 2 years ✓)

−$11,165.63

Taxable gain

$11,165.62

Tax at 32.5% (income ~$85k/yr)

$3,628.83

Medicare levy 2%

$223.31

Total CGT Payable

$3,852.14

💡 Key insight: If this investor had sold just one day before the 12-month mark, the full $22,331 would have been taxable meaning a tax bill of about $7,700 instead of $3,852. The 50% discount alone saved nearly $4,000. For crypto investors, knowing your exact 12-month anniversary for each holding is one of the most valuable pieces of information you can track.

Tax Rates

CGT Tax Rates for Crypto

Capital gains from property are added to your regular income and taxed at your marginal rate. Here’s what that means at each bracket.

Taxable Income

Marginal Rate

Effective Rate on Gain (50% Discount)

Tax on $20k Crypto Gain

$0 – $18,200

0%

0%

$0

$18,201 – $45,000

19%

9.5%

$1,900

$45,001 – $135,000

32.5%

16.25%

$3,250 ← most investors

$135,001 – $190,000

37%

18.5%

$3,700

$190,001 +

45%

22.5%

$4,500

+ Medicare Levy

+2%

+$400

Get latest information from official ATO site.

Income stacking matters: Your crypto gain sits on top of your salary. If you earn $120,000 and make a $40,000 taxable crypto gain, part of that gain will push into the 37% bracket. Our Crypto CGT Calculator handles this conservatively but for large gains, a tax agent can calculate the exact bracket split and recommend timing strategies that could reduce your bill.

FAQs

Crypto CGT Calculator Common Questions

Yes! every disposal of crypto is a CGT event in Australia, whether you made a large profit or a small one. That includes selling for AUD, swapping one coin for another, or using crypto to buy goods and services. If you sell at a profit, you have a capital gain. If you sell at a loss, you have a capital loss which can be carried forward to offset future gains. The only transactions that aren’t CGT events are buying crypto with AUD, and transferring between wallets you own.

Yes, and this is the rule that surprises most investors. When you swap Bitcoin for Ethereum, you’re disposing of your Bitcoin. The proceeds from that disposal are the AUD value of the Ethereum you received at the time of the swap. That triggers CGT on any gain from the Bitcoin you gave up. Each leg of a crypto-to-crypto trade is a separate CGT event with its own cost base and holding period. This applies whether you traded on a centralised exchange or a DEX.

Staking rewards are treated as ordinary income by the ATO not capital gains. You pay tax at your marginal rate on the AUD value of the rewards at the time they were received. There’s no 50% CGT discount. When you later sell or swap the staked tokens, CGT applies again on any additional gain with the FMV at receipt as your new cost base. So you pay income tax when you receive them, then CGT on any growth after that. Keep this distinction clear in your records.

Yes. The ATO treats airdrops as ordinary income at the fair market value of the tokens on the date you received them. If you received $500 worth of tokens in an airdrop, $500 is added to your taxable income for that year. Your cost base for those tokens then becomes $500. When you eventually sell them, CGT applies on any gain above that cost base. There are limited exceptions for “initial allocation” airdrops where you receive tokens simply for holding another coin but these rules are complex and should be assessed case by case.

If you held a cryptocurrency for more than 12 continuous months before selling or swapping it, only half of your capital gain is included in your taxable income. The other half is simply disregarded. For example, if you made a $30,000 capital gain on Bitcoin you held for 18 months, only $15,000 is taxable. At the 32.5% marginal rate, that saves you $4,875 in tax. The clock starts from your original purchase date and resets if you wrap, swap or otherwise dispose of the asset before the 12-month mark. Crypto CGT Calculator determine automatically if you’re eligible to avail 50% discount.

If you purchased crypto on or before 12 May 2026, you’re covered by the grandfathering rules. The 50% CGT discount continues to apply to gains accrued before 1 July 2027. From that date, gains accrue under the new indexation method but the portion earned before 1 July 2027 is still protected. Crypto purchased after 1 July 2027 uses the new indexation approach from day one, with a 30% minimum tax rate on real gains. If you have large unrealised gains and are considering selling, speak to your accountant about the transition rules before making any decisions.

Yes. Capital losses from selling crypto at a loss can be offset against capital gains from any other CGT asset, property, shares, other crypto. Losses reduce your total net capital gain for the year before the 50% discount is applied. If your losses exceed your gains in a year, the unused losses carry forward indefinitely to future years. Capital losses cannot offset ordinary income like wages they can only reduce capital gains.

Almost certainly yes, if you’ve used any Australian-registered exchange. The ATO’s data-matching program collects transaction records from Australian exchanges and cross-references them against your tax return. Records cover every financial year from 2014–15 to 2025–26. Additionally, Australia is joining the OECD’s Crypto-Asset Reporting Framework (CARF), which will enable automatic data sharing with international tax authorities from 2026. Undeclared gains from overseas platforms are becoming increasingly visible. If you have undeclared crypto, voluntary disclosure is generally treated more favourably than being caught by data matching.

For every transaction you must keep: the date, the type of transaction, the amount in AUD at the time, the exchange or wallet used, trading fees, and the purpose. The ATO requires you to keep these records for at least 5 years after lodging your tax return. If you’re using multiple exchanges and wallets across several years, crypto tax software is the most practical way to maintain complete, accurate records. Export your transaction history from every platform you use and archive it permanently.

Yes. The most common misconception in Australian crypto is that you only owe tax when you convert back to Australian dollars. Every swap between coins is a disposal and a potential CGT event, even if you never touched AUD. If you swapped $10,000 of Bitcoin for Ethereum in May and the Bitcoin had a lower cost base, that’s a taxable gain in that financial year, regardless of what you did with the Ethereum afterward. “I haven’t cashed out” is not a defence against CGT in Australia.

Still have questions you can check FAQs Page.