Thinking about selling your crypto? This calculator helps Australian investors compare the tax impact of selling now versus waiting until the 12-month CGT discount may apply.
It estimates your current capital gain, potential tax payable, and the difference in net profit if you wait.
This tool compares two scenarios side by side: selling your crypto today versus waiting until a future date you choose. It uses the Australian Taxation Office (ATO) capital gains tax rules and the 12-month CGT discount to estimate the tax you would pay in each case, then shows you the difference in net profit.
Australian individuals may be eligible for a 50% CGT discount when an asset is held for more than 12 months. This means only half of the capital gain is added to your taxable income. Importantly, this discount applies to gains only — losses are never discounted and may instead be carried forward to offset future capital gains.
Bought crypto for $10,000
Current value: $20,000
Held for 10 months
If sold now, the full $10,000 gain may be taxable.
If waited until after 12 months, only $5,000 may be taxable.
Actual tax depends on your marginal tax rate.
This calculator is an estimate only. It does not include the Medicare levy, transaction fees, staking rewards, mining income, DeFi activity, airdrops, multiple parcels, or personalised tax advice. Use a full crypto tax tool like Koinly to calculate your exact tax across all trades.
Selling before 12 months may mean the full capital gain is taxable. Waiting longer may reduce the taxable gain if you qualify for the 50% CGT discount.
Australian individuals may be eligible for the 50% CGT discount if they hold crypto for more than 12 months and make a capital gain.
No. It provides a general estimate only and should not replace advice from a registered tax agent.
If you're making a decision, you may also find this useful: Compare your results using the Crypto Tax Calculator Australia →