Crypto Tax Calculator Australia 2025-26
Enter buys, sells, swaps, wraps and staking receipts with your own AUD values to estimate the 2025-26 tax effect for an Australian individual investor.
Guides: CGT disposals · swap tax · staking income · records checklist
Build the tax-year ledger that drives the estimate
Start from a guided crypto scenario, import a CSV template, or enter each taxable event manually with your own AUD values for the 2025-26 Australian tax year.
Start by matching the event pattern
Pick a scenario to preload the common shape, or jump straight to a blank ledger.
Import from CSV
Upload a CSV, correct any row errors inline, then import the reviewed events.
Event 1
BuyBTC
Event 2
StakingSOL
Event 3
SwapBTC → ETH
Quick pattern: enter acquisitions first, then disposals, then ordinary-income receipts (staking, mining, airdrops, DeFi interest).
Estimator only. No account sync or automatic price lookup. Ordinary-income events set cost base at receipt MV for later CGT tracking. LP/wrap/bridge flows → use the dedicated DeFi calculator.
Estimated taxable crypto outcome
Combines ordinary crypto income, FIFO parcel matching, and CGT discount treatment into a single summary.
Estimate fit
Good fitThe entered events match the calculator's intended spot-investor workflow.Estimated extra tax from crypto
$1,981Difference versus other taxable income alone; includes income tax and Medicare levy, but not HELP or Medicare levy surcharge.Net capital gain included in taxable income
$3,671After losses and CGT discount assumptionsStaking and ordinary crypto income
$2,520Receipts taxed as income on receiptTotal capital gains
$3,671Before losses and discountsTotal capital losses
$0Can offset capital gains onlyDiscount-eligible gains
$0$0 remains after 50% discountEstimated taxable income
$96,191Includes other taxable income entered aboveEstimated income tax
$19,6452025-26 Australian resident ratesEstimated tax + Medicare levy
$21,569$1,924 of Medicare levy includedProcessed event summary
| Event | Date | Proceeds | Cost base | Gain | Loss | Income |
|---|---|---|---|---|---|---|
| Acquire BTC | 2024-08-05 | $0 | $22,090 | $0 | $0 | $0 |
| Staking income in SOL | 2025-01-18 | $0 | $2,520 | $0 | $0 | $2,520 |
| Swap BTC into ETH | 2025-02-16 | $11,245 | $7,574 | $3,671 | $0 | $0 |
Estimator assumptions
- Disposals allocate against FIFO (first acquired first — reasonable where parcels are not otherwise identified).
- Capital losses are applied against non-discountable gains first so the estimator preserves discountable gains where possible.
- Discount-eligible gains are reduced by 50% only when the disposed parcel was held for at least 12 months under the ATO timing rule.
- Staking, mining, airdrops (established tokens) and DeFi lending interest are treated as ordinary income on receipt and also become new parcels for later CGT tracking.
- Wrapping and LP deposits are estimated as disposals at market value; the exact CGT event can depend on the arrangement's legal structure.
- AUD values come from your inputs. No exchange-rate or price history lookup is included in this version.
What to do next
- Export a summary PDF for your accountant or your own tax file.
- Keep the share link if you want to revisit the same event set later.
Remaining tracked holdings
BTC
0.23Cost base $14,516 at $63,114 per unitETH
2.1Cost base $11,280 at $5,371 per unitSOL
14Cost base $2,520 at $180 per unitIf the estimate feels uncertain
Most weak outputs come from uncertain event labels, missing AUD values, or using the tool outside its coverage boundary. Clarify the event type before pushing ahead with guesswork.
Supporting guides
Tax Accuracy & Sources
Planning estimator for Australian resident individual crypto investors. It applies LITO and the single-person Medicare levy reduction, but excludes HELP, Medicare levy surcharge, prior-year capital losses, personal-use assets and business trading-stock treatment. DeFi event type can depend on the arrangement's legal structure.