EzyCGT Australian capital gains estimator
Compare current CGT treatment with the proposed post-1 July 2027 Budget model using your asset dates, valuation, income, and ATO CPI-based indexation.
Taxpayer
Structure and individual tax assumptions for the estimate.
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Asset
Acquisition, disposal, and transition valuation assumptions.
ATO CPI where available; 3% fallback
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Based on purchase price, purchase costs, and improvements indexed to 1 July 2027 using ATO CPI where available and 3% fallback after the latest table data.
Default: splits the realised raw gain by days held before and after 1 July 2027.
Sample scenarios
Use these as demos, then replace with your own assumptions.
Budget overview in plain English
A plain-English guide to how the Budget proposal affects this estimate.
The 2026-27 Budget proposes changing how some Australian capital gains are taxed from 1 July 2027. A capital gain is usually the profit you make when you sell an asset for more than its cost base.
Under the current broad individual rule, many assets held for at least 12 months can receive a 50% CGT discount. In simple terms, only half of the gain is added to taxable income before tax is estimated.
Under the proposed model, the 50% discount would be replaced with an inflation-based adjustment and a minimum 30% tax on gains. The idea is to tax the real gain after inflation, not just the raw dollar increase.
The Budget says the CGT changes would only apply to gains arising after 1 July 2027. That is why this calculator splits transition assets into a pre-2027 part and a post-2027 part when needed.
For new residential builds, the proposal allows investors to choose between the current 50% discount method and the new indexation method. This calculator compares both and uses the lower estimated tax outcome for that part of the model.
This explanation is simplified for planning conversations. It does not cover every CGT event, exemption, trust distribution, small business concession, loss rule, or future legislative change.