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Capital Gains Discount Calculator

Estimate the taxable capital gain on shares held over 12 months after applying the Australian 50% CGT discount for individuals.

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Your results

Raw capital gain$12,000
Discount applied50%
Taxable gain to include in income$6,000

Calculation breakdown

Raw gain
sale proceeds − cost base
Taxable gain
raw gain × (1 − 50% discount if held 12+ months)

Worked example

Shares bought for $20,000 (cost base) are sold for $32,000 net proceeds after 18 months, a raw gain of $12,000. With the 50% CGT discount, only $6,000 is added to assessable income.

Assumptions

  • The 50% discount applies to individuals, trusts and eligible entities per ATO rules; companies do not qualify.
  • This shows the taxable gain only, not tax payable; combine with your marginal tax rate for that.
  • A capital loss cannot be discounted and can only offset capital gains, not other income.

Sources

How this calculator works

Enter your cost base and sale proceeds to calculate the raw capital gain, then apply the Australian 50% CGT discount available to individuals and trusts who have held the asset for at least 12 months. This shows the discounted taxable gain to add to your assessable income; your actual tax payable depends on your marginal rate.

Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.

Frequently asked questions

Who is eligible for the 50% discount?

Individuals, trusts and complying super funds (at a lower rate) who hold the CGT asset for at least 12 months before selling, per ATO rules; companies are not eligible.

What if I've held the shares less than 12 months?

Toggle the discount off, since the full capital gain is included in your assessable income with no discount applied.

Does this calculate my tax payable?

No, it shows the taxable gain amount only; use the Capital Gains Tax or Tax calculator to estimate tax payable at your marginal rate.

Results are estimates only and are not financial, tax, legal or credit advice.

Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.

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