Free tool · FY2025-26 rates · Nothing stored
Crypto tax calculator for Australians
Estimate the capital gains tax on a crypto disposal in about 30 seconds — as an individual at FY2025-26 marginal rates, through an SMSF, or inside a company. The 50% CGT discount, Medicare levy and SMSF rates are built in. No signup, and nothing you enter leaves your browser.
Research Desk Tool · FY2025-26
Crypto Tax Estimator
Model the capital gains tax on a crypto disposal under Australian resident rates — as an individual, through an SMSF, or inside a company. Figures update as you type.
Estimated position
Statement · FY2025-26
Estimated tax on this gain
- Effective rate on gain
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- Marginal bracket
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- Net proceeds after tax
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Breakdown
| Item | Amount |
|---|---|
| Estimated tax | A$0 |
General information only — this is an estimate, not financial or tax advice.
Assumptions & limitations
- You are an Australian tax resident for the full 2025-26 income year.
- No other capital gains or losses in the year, and no carried-forward capital losses to offset the gain.
- Medicare is simplified: a flat 2% is applied to the assessable gain whenever taxable income exceeds $26,000. Levy phase-in, exemptions and the Medicare levy surcharge are not modelled.
- Rates are FY2025-26 resident rates. CGT discount: 50% for individuals and one-third for SMSFs in accumulation phase, where the asset was held 12 months or more.
- SMSF pension-phase gains are assumed to sit within the transfer balance cap (taxed at 0%). Companies are modelled at the flat 30% rate — base-rate entities may pay 25% — and receive no CGT discount.
- This tool is not tax advice. Confirm your position with a registered tax agent before lodging.
How this estimate works
The calculator applies the method the ATO itself describes: your net capital gain (after any 12-month discount) is added on top of your other taxable income and taxed in the marginal brackets it falls into. That’s why the same $20,000 gain can cost a part-time worker a fraction of what it costs someone earning $200,000 — and why timing a disposal across financial years matters. For the full rules, start with our complete Australian crypto tax guide, the CGT deep-dive, and the step-by-step declaring guide.
If your year involves hundreds of trades, DeFi, staking or multiple wallets, a calculator estimate won’t cut it — purpose-built tax software can reconstruct your history, and a crypto-specialist registered tax agent is worth the fee for complex or multi-year situations.
Common questions
Frequently asked questions
How is crypto taxed in Australia?
The ATO treats crypto-assets as capital gains tax assets. Selling for dollars, swapping one coin for another, spending crypto or gifting it are all CGT events. Hold an asset at least 12 months as an individual and the capital gain is generally discounted by 50%. Staking rewards and airdrops are usually taxed as ordinary income when received.
What tax rate applies to my crypto gains?
Net capital gains are added to your taxable income and taxed at your marginal rate — between 0% and 45% plus the 2% Medicare levy for FY2025-26. SMSFs pay 15% in accumulation phase (effectively 10% on assets held over 12 months), and gains supporting retirement-phase pensions can be tax-exempt within caps.
Does this calculator report anything to the ATO?
No. It runs entirely in your browser — nothing you enter is stored or transmitted. It is an educational estimate only and must not be relied on for your tax return. For lodgment, use crypto tax software or a registered tax agent.
Can the ATO see my crypto?
In most cases yes. The ATO operates a data-matching program with Australian exchanges going back years, and AUSTRAC registration requires platforms to identify their customers. Undeclared disposals frequently trigger amended assessments with penalties and interest.
What records do I need to keep?
For every transaction: the date, the value in Australian dollars at the time, what the transaction was for, and who the other party was (even if just their wallet address). The ATO requires records to be kept for five years after you dispose of the asset.
Free download + research notes
The EOFY Crypto Tax Checklist
The records the ATO expects you to have, the dates that matter and the questions to ask before 30 June — plus our monthly research notes. Free, no spam, unsubscribe in one click.