Trading Tax Calculator
Estimate your capital gains tax liability. See how holding period affects your tax rate and plan your exits strategically.
Hold 6 more months for 50% CGT discount
Estimated Tax Liability
$3,000.00
on $10,000.00 net gain
Missing 50% Discount
Hold 6 more months to save $1,500.00 in tax.
This is an estimate only. Consult a tax professional for accurate advice.
Sell Now
$3,000.00
Full tax rate
Wait 6 months
$1,500.00
50% discount
by holding until July 2026
Consider whether the potential price movement over 6 months is worth the tax savings. A significant price drop could outweigh the tax benefit.
Capital Gains Tax Guide
Understanding how trading gains are taxed in your region
50% CGT Discount
Assets held for 12+ months qualify for a 50% discount. You only pay tax on half the capital gain, making long-term holding significantly more tax-efficient.
2024-25 Tax Brackets
$0 - $18,200: 0%
$18,201 - $45,000: 16%
$45,001 - $135,000: 30%
$135,001 - $190,000: 37%
$190,001+: 45%
Loss Carry Forward
Capital losses can be carried forward indefinitely and only offset against future capital gains, not ordinary income.
Harvest Tax Losses
Sell losing positions before year-end to offset gains. Just beware of wash sale rules.
Consider Holding Period
If you're close to the 12-month mark, the tax savings may outweigh short-term price risk.
Spread Gains Across Years
If possible, time sales to spread large gains across tax years, especially if you expect lower income next year.
Track All Costs
Brokerage fees, subscription costs, and other trading expenses may be deductible. Keep records.
Use Tax-Advantaged Accounts
Where available, trade within retirement accounts (401k, Super, ISA) for tax-free or tax-deferred growth.
Track Tax Impact Automatically
This calculator gives you an estimate. SwingFolio tracks your actual trades, calculates realized gains, and generates tax reports for your accountant.
Real-Time Tax Tracking
See your tax liability update as you close trades. No more year-end surprises.
Holding Period Alerts
Get notified when positions approach 12 months. Never miss the CGT discount.
Tax Report Generation
Export your capital gains report for tax time. Compatible with AU and US formats.