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Money Decisions AU
Updated for 2025–2026 ATO rules

Crypto Tax Calculator Australia

Instantly estimate your crypto tax in Australia with this free calculator. It applies ATO rules, the 12-month 50% capital gains discount, and current marginal tax rates so you can see your CGT liability and net profit in seconds.

Updated for 2025–2026 ATO rules. This calculator estimates your capital gains tax (CGT) on cryptocurrency transactions in Australia, including the 12-month discount rule.

How This Crypto Tax Calculator Works

The calculator works out your capital gain by subtracting your buy price from your sell price (both in AUD). It then checks how long you held the asset. If you held it for more than 12 months, it automatically applies the 50% CGT discount available to Australian individual investors. The discounted gain is then taxed at your marginal income tax rate based on the income bracket you select.

  • Capital Gain = Sell Price − Buy Price
  • Holding period > 12 months → 50% discount on the gain
  • Tax = Discounted Gain × Marginal Tax Rate
  • Net Profit = Capital Gain − Estimated Tax

Example Calculation

You bought Bitcoin for $10,000 on 1 March 2023 and sold it for $18,000 on 1 June 2024. You earn $90,000 per year.

Capital Gain: $8,000

Holding Period: 458 days (more than 12 months)

50% CGT Discount Applied → Taxable Gain: $4,000

Marginal Tax Rate (incl. Medicare): 32% (45k–135k bracket)

Estimated Tax Payable: $1,280

Net Profit After Tax: $6,720

Crypto Tax Rules in Australia

The Australian Taxation Office (ATO) treats cryptocurrency as property, not currency. That means almost every disposal is a CGT event — including selling crypto for AUD, swapping one coin for another, gifting crypto, or using it to buy goods and services.

  • CGT discount: Individuals get a 50% discount on gains from assets held longer than 12 months.
  • Capital losses: Can be used to offset capital gains in the same or future financial years.
  • Crypto-to-crypto trades: Each swap is a taxable event, valued in AUD at the time of the trade.
  • Income vs CGT: Mining, staking, and airdrops are typically taxed as ordinary income at receipt.
  • Record keeping: The ATO requires you to keep records of dates, values in AUD, wallet addresses, and counterparties for at least 5 years.

When Do You Pay Crypto Tax in Australia?

In Australia, you pay tax on cryptocurrency when a capital gains event occurs. This includes selling crypto for AUD, trading one cryptocurrency for another, or using crypto to purchase goods and services.

  • Selling Bitcoin or Ethereum
  • Swapping crypto (e.g. BTC to ETH)
  • Spending crypto

How to Reduce Crypto Tax Legally

  • Hold assets longer than 12 months to access the 50% CGT discount
  • Offset gains with capital losses
  • Track all transactions accurately

FAQ

Do I pay tax on crypto in Australia?+

Yes. The ATO treats cryptocurrency as a CGT asset, so you pay capital gains tax whenever you sell, swap, gift, or spend crypto at a profit. Losses can be carried forward to offset future capital gains.

What is the 12-month rule?+

If you hold a crypto asset for more than 12 months before disposing of it, individual investors are generally entitled to a 50% discount on the capital gain — meaning only half of the profit is added to your taxable income.

Is this calculator accurate?+

It produces a reliable estimate using current ATO rules and 2025–2026 marginal tax rates, but it is not personalised tax advice. Your final tax depends on your total income, deductions, the Medicare levy, and other factors. For complex portfolios, consult a registered tax agent.