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Crypto Tax Calculator — Australia

An educational estimator using Australia's 2025–26 rules — not tax advice, and not a substitute for a professional.

Estimated tax owed
A$3,200
on A$10,000 of gains
Effective rate
32%
of the full gain
Tax on full gain (no discount)A$3,000
Medicare levy (2%)A$200

2025–26 rules verifiedJul 11, 2026

Estimates only — not financial advice.

How this is calculated

The estimator applies Australia's headline capital-gains rules for the 2025–26 tax year directly to your inputs — allowances and thresholds first, then the applicable rate schedule, exactly as listed in the breakdown table. Bracket data lives in an open, editable data file stamped "verified 2026-07-11" (methodology).

What it deliberately ignores: cost-basis method choices, loss offsets, carried-forward losses, local/state surcharges and edge cases like business classification. Those are where tax software earns its keep.

How Australia taxes crypto — the essentials

  • Hold a crypto asset for more than 12 months and only 50% of the gain is taxed (CGT discount).
  • The taxable part of the gain is added to your income and taxed at your marginal rate (0–45%).
  • Most taxpayers also pay the 2% Medicare levy on taxable income (low-income exemptions exist).
  • Crypto-to-crypto swaps, spending crypto and gifting are all CGT events, not just selling for dollars.
  • Capital losses offset capital gains and carry forward indefinitely, but can't offset salary income.
  • Assets used for small personal purchases may qualify as personal-use assets — the exemption is narrow.

Official guidance: ATO — Crypto asset investments

Frequently asked questions

How is crypto taxed in Australia?
Hold a crypto asset for more than 12 months and only 50% of the gain is taxed (CGT discount). The taxable part of the gain is added to your income and taxed at your marginal rate (0–45%). The bullet summary below covers the rest, with a link to the official ATO guidance.
Is this my final tax bill?
No — it's an educational estimate based on the headline rules and your inputs. Real returns involve cost-basis methods, loss harvesting, other income interactions and local surcharges. Use it to size the liability, then confirm with software or a professional.
Do I owe tax if I only swapped one crypto for another?
In Australia, swapping is generally treated as a disposal of the coin you gave up — a taxable event even though no fiat touched your bank account. Only buying with fiat and holding is reliably tax-free.
What about staking rewards?
Most jurisdictions tax staking rewards as income when received — separately from the capital gains this tool estimates. See how staking rewards are taxed for the five-country breakdown.

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Disclaimer: This tool provides educational estimates only — it is not financial, investment or tax advice and not a substitute for a qualified tax professional. Crypto assets are volatile; past performance does not guarantee future results. See our methodology and full disclaimer.