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.

Estimates only. This calculator is not intended to be relied on for making a decision about a financial product, and it does not consider your objectives, financial situation or needs. Consider obtaining advice from an Australian financial services licensee before making any financial decisions. Assumptions can be changed where shown; statutory rates are as legislated for the year stated on this page. How our calculators work, their assumptions and limitations →