How is crypto taxed in Australia?

The ATO treats cryptocurrency as an asset subject to Capital Gains Tax. When you sell, swap, or spend crypto, you trigger a CGT event. If you held the asset for more than 12 months, you receive a 50% CGT discount. Losses can offset other capital gains.

Do I pay tax on crypto I haven't sold?

No. You only pay tax when you dispose of the crypto — selling for AUD, swapping for another crypto, or using it to buy goods/services. Simply holding crypto does not trigger a tax event.

Crypto Tax Calculator Australia | Capital Gains on Cryptocurrency

Budget 2026-27: the 50% CGT discount is being replaced from 1 July 2027. The 12 May 2026 Budget announced the 50% CGT discount will be replaced with CPI-based cost-base indexation + a 30% minimum tax on real (inflation-adjusted) gains from 1 July 2027 — applies to individuals, partnerships and trusts (not companies). Gains accrued before 1 July 2027 keep the 50% discount under transitional split-treatment. Companies (and SMSFs computing on the existing 33.3% rules) are unaffected. This calculator uses the current FY 2025-26 rules. Full breakdown: Federal Budget 2026-27.

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Methodology & sources

This calculator uses current published rates from Australian government and regulator sources. The result is an estimate for general guidance — it does not constitute personal financial advice. For decisions about your circumstances, consult a registered financial adviser, tax agent, or other professional. See editorial standards for how DecisionLab sources and updates its calculator data.