About CGT Change Calculator
Free, independent tools that make Australia's proposed tax reforms easy to understand.
Why we built this
Australia's tax settings for investors are changing. Two of the biggest — the proposed 2027 capital gains tax (CGT) change and the 2026 negative gearing reform — are complex, full of transitional rules, and hard to translate into a real dollar figure for your own situation. We built cgtcalculator.net to close that gap: plug in your numbers and immediately see how the old rules compare with the proposed new ones.
What you can do here
- CGT Change Calculator — compare the current 50% CGT discount against the proposed CPI indexation method and 30% minimum rate, including the transitional “bucket” split for assets held across 1 July 2027.
- Negative Gearing Calculator — check whether a property is grandfathered, and project how loss quarantine affects your tax position over up to 20 years.
- Plain-English guides — background reading that explains each reform without the jargon.
How we work out the numbers
Our calculators apply the marginal tax rates and thresholds published by the Australian Taxation Office for the 2025–26 year, combined with the mechanics of the announced reforms. Where a reform is still a proposal rather than enacted law, we say so. We revise the tools as details are confirmed, and we run every calculation in your browser so your figures stay on your device.
Independent and free
cgtcalculator.net is an independent resource. We are not affiliated with the ATO, the Treasury, or any government body, and the tools are free to use. The site is supported by advertising, which is why you may see ads on some pages — this never changes how a calculation is worked out.
Important limitation
These calculators are for general information and education only. They produce estimates and do notconstitute financial, taxation or legal advice. Everyone's circumstances differ, so before acting on anything you see here, please speak with a registered Tax Agent.
Get in touch
Spotted something that looks off, or have a suggestion? We genuinely want to hear it — visit our Contact page.