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Shares CGT Calculator

Have you sold ASX shares, ETFs, or US stocks rightnow? Calculate your Capital Gains Tax through Shares CGT Calculator in seconds. Brokerage included in cost base. Parcel selection, loss offsets and the 50% discount all handled at once.

50% Discount AppliedCost Base BuilderNo SignupCompletely Free
Shares CGT Calculator Australia

📈 Shares CGT Calculator — Australia

Enter your share details for an instant Capital Gains Tax estimate. Free · No signup · ATO-aligned.

🇺🇸 US Shares: Enter all values in AUD. Convert using the ATO monthly exchange rate at each transaction date.
Your Shares CGT Estimate
✓ 50% CGT Discount Applied — held 12+ months
Capital Gain
—
Taxable Gain
—
Estimated CGT Payable
—
Includes 2% Medicare levy · 2025–26 ATO rates
Step-by-Step Breakdown
Sale Proceeds—
Less: Purchase Price—
Less: Buy Brokerage—
Less: Sell Brokerage—
Less: Capital Losses—
50% CGT Discount—
Taxable Capital Gain—
Tax at Marginal Rate—
Medicare Levy (2%)—
Total CGT Payable—
Net Proceeds After CGT
—
Effective CGT Rate
—
⚠️ Estimate only — not tax advice. Consult a registered tax agent for your personal circumstances.

🚨 2026 Federal Budget Major CGT Changes from 1 July 2027

The May 2026 Federal Budget announced the biggest change to Australian CGT in decades. From 1 July 2027, the current 50% CGT discount will be replaced by cost-base indexation (only real gains above inflation are taxed) plus a 30% minimum tax rate on those gains. Properties purchased on or before 12 May 2026 are grandfathered — the 50% discount continues to apply for pre-existing holdings. New residential builds from 1 July 2027 may choose whichever method delivers the lower tax. This calculator reflects current 2025–26 rules. Speak to your accountant about whether selling before 1 July 2027 makes sense for your property.

How it works

How the Shares CGT Calculator Works

From your trade data to your estimated tax bill in four steps. Brokerage on both sides is handled automatically.

Enter Sale Price

The total amount you received from selling your shares or ETF units

Add Cost Base

Your purchase price plus buy-side brokerage. Sell-side brokerage reduces your proceeds. 

Check Holding Period

Capital losses from this year or carried forward are deducted first. Then, if held 12+ months, the remaining gain is halved.

Calculate Your Tax

The taxable gain is added to your other income and taxed at your marginal rate. You can use Shares CGT Calculator above

Calculating Guide

How to calculate CGT by Shares CGT Calculator

Here’s the guide on How to use Shares CGT Calculator.

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Cost Base Explained

What Counts in Your Shares Cost Base?

Counts

Purchase Price

Shares × price per share

Buy-Side Brokerage

CommSec, Stake, SelfWealth etc.

Sell-Side Brokerage

Deducted from sale proceeds

FX Conversion Fees (US Shares)

Currency conversion costs

Transfer Fees (some brokers)

If charged on purchase

AMIT Cost Base Adjustments (ETFs)

Annual adjustments from fund

Effect on your CGT

Reduces capital gain ↓

Quick example: 500 shares at $20 + $19.95 brokerage = cost base of $10,019.95. Sale at $15,500 less $19.95 brokerage = net $15,480.05. Capital gain = $15,480.05 − $10,019.95 = $5,460.10 (not $5,500). That $39.90 in brokerage saved you up to $18 in tax.

Doesn’t Count

Ongoing Platform Fees

Monthly/annual account fees

Dividend Income

Taxed separately, not CGT

Franking Credits

Not part of cost base

Research & Subscription Fees

Not a cost base component

Interest on Margin Loans

Deductible yearly, not CGT

Portfolio Management Fees

Not a direct cost base item

Effect on your CGT

No direct CGT reduction

DRP parcels: Each dividend reinvestment creates a separate parcel with its own cost base (the share price on the DRP date) and its own 12-month clock. If you’ve been in a DRP for years, you could have dozens of separate parcels — each needs to be tracked separately.

Real Example

ASX Share Sale with 50% CGT Discount

500 CBA shares bought in February 2022, sold in March 2025 after 3 years. Here’s exactly how the CGT is calculated. Shares CGT Calculator applied 50% discount Automatically.

PURCHASED (FEB 2022)

500 shares × $96.00

$48,000.00

Buy brokerage (CommSec)

$29.95

Legal fees

$2,500

Total cost base

$48,029.95

SOLD (MARCH 2025)

500 shares × $145.00

$72,500.00

Less sell brokerage

−$29.95

Net Sale Proceeds

$72,470.05

Net proceeds

$72,470.05

Less: Cost base

−$48,029.95

Capital gain

$24,440.10

50% discount applied (held 3 years ✓)

−$12,220.05

Taxable gain

$12,220.05

Tax at 32.5% (income ~$95k/yr)
Medicare levy 2%

$3,971.52
$244.40

Total CGT Payable

$4,215.92

💡 Key insight: Without the 50% discount, if this investor had sold just one day before the 12-month mark the CGT would have been $8,431.84, more than double. The discount alone saved $4,215.92 in tax. It cost nothing except patience. Every share investor should know exactly where they sit relative to their 12-month purchase anniversary before deciding when to sell.

Tax Rates

CGT Tax Rates for Shares

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 (50% Discount)

Tax on $20,000 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

Here you can find latest information from official resource.

Important: Your capital gain is added on top of your regular income. If you earn $120,000 and make a $40,000 taxable gain, that pushes part of your income into the 37% bracket. Our calculator models this accurately but for large gains, a tax agent can model the exact bracket breakdown and advise on timing strategies to reduce stacking.

FAQs

Property CGT Calculator Common Questions

Yes! and this is the most commonly missed deduction for share investors. Brokerage you paid when buying shares is added to your cost base, directly reducing your eventual capital gain. Brokerage you paid when selling reduces your sale proceeds. Both sides work in your favour.

Yes! every disposal of shares is a CGT event, whether you made a large profit or a small one. It doesn’t matter whether you traded through CommSec, Stake, SelfWealth, eToro, or any other broker. If you sell at a profit, you have a capital gain. If you sell at a loss, you have a capital loss, you don’t pay tax but you still need to report it in your tax return so it can be carried forward. The only shares that may be exempt are those held inside a superannuation fund in full pension phase.

The formula is: Capital Gain = Net Sale Proceeds (sale price minus sell brokerage) minus Cost Base (purchase price plus buy brokerage). If you held the shares for more than 12 months, halve the gain (50% CGT discount). Add the remaining taxable gain to your other income for the year and apply your marginal tax rate. Shares Tax Calculator above does all of this automatically, just enter your purchase price, sale price, brokerage on both sides, holding period and income.

ETFs are treated identically to direct ASX shares for CGT purposes, cost base includes purchase price and brokerage, the 50% discount applies after 12 months, and capital losses can be offset against gains. The one additional complexity is AMIT (Attribution Managed Investment Trust) cost base adjustments. We also add ETFs section in Shares CGT Calculator above.

When you’ve bought the same shares at different times or prices, each purchase is a separate “parcel” with its own cost base and its own 12-month holding period. When you sell, you can choose which parcel you’re disposing of. The ATO allows this FIFO (first in, first out) is only the default fallback when you haven’t made a specific identification.

Yes. Capital losses from any CGT asset shares, ETFs, crypto, or other investments can be used to offset capital gains from any other CGT asset, including investment property. Losses are pooled and applied to your total net capital gain for the year before the 50% discount is applied. Shares CGT Calculator determine 50% discount automatically.

The same Australian CGT rules apply, with an added conversion requirement. Both your purchase price and sale proceeds must be converted to AUD using the ATO’s published monthly average exchange rates at the time of each transaction not today’s rate, not the rate at the time of the other transaction.

Tax-loss harvesting is the strategy of deliberately selling underperforming investments before the end of the financial year to crystallise a capital loss, which then offsets capital gains. It is entirely legal and widely used in Australia. The loss must be genuine

Yes! every DRP acquisition is a separate parcel with its own cost base and its own 12-month holding period. The cost base for each DRP parcel is the share price on the reinvestment date (the day the dividend was paid), not the price you originally bought the shares for. If you’ve been participating in a DRP for several years, you could have 10, 20 or more separate parcels, each with different cost bases and different discount eligibility. Portfolio tracking software like Sharesight handles this automatically — doing it manually in a spreadsheet becomes unwieldy very quickly.

CGT on share sales is reported in your personal income tax return for the financial year in which the trade was executed the ATO uses the trade date, not the settlement date, for shares (unlike property, which uses contract date). So if you sold shares on 28 June 2025 and they settled on 2 July 2025, you report the gain in your 2024–25 tax return. Tax is due when you lodge by 31 October if self-lodging. If your estimated CGT will be substantial (generally over $10,000), consider making a voluntary PAYG payment before lodgement to avoid a large tax bill in one hit.

If you purchased your shares on or before 12 May 2026, your holdings are grandfathered under transitional rules. For those assets: gains accrued before 1 July 2027 remain eligible for the current 50% CGT discount when you eventually sell. Gains accrued after 1 July 2027 use the new indexation method (only real, inflation-adjusted gains are taxed) with a 30% minimum tax rate. The transition method apportions the total gain between the pre and post 1 July 2027 periods based on time. Shares purchased after 1 July 2027 use only the new indexation method. Superannuation funds (including SMSFs) are not affected by this change the CGT discount for super remains 33.33%.

Superannuation funds including SMSFs are taxed differently. In accumulation phase, the effective CGT rate on shares held 12+ months is 33.33% of the fund’s 15% tax rates, so 10% effective tax on long-term gains. In pension/retirement phase, assets supporting a pension account are generally completely exempt from CGT, this is why moving assets to pension phase before selling can be a significant tax planning opportunity for SMSF members over 60. The 2026 Budget CGT changes do not affect superannuation funds.