Australian crypto tax estimator Built for Australian individual investors Coverage Buy · Sell · Swap · Staking Output CGT + income + tax impact summary
Australian crypto tax estimator for FIFO CGT and staking income
Estimate how crypto activity may affect your 2025-26 Australian tax position. This app turns manual event entries into a summary of capital gains, capital losses, staking income, discount treatment, and estimated tax impact for an Australian individual investor.
FIFO parcel tracking Manual AUD valuation Staking as income Shareable scenarios
Manual event builder
Build the tax-year ledger that drives the estimate
Enter each taxable event with your own AUD value. This version covers buys, sells, swaps, and staking receipts for the 2025-26 Australian tax year.
Event 1
Buy
BTC
Event 2
Staking
SOL
Event 3
Swap
BTC -> ETH
Estimator only. No account sync, CSV import, DeFi flows, airdrops, NFT rules, or exchange-rate lookup in this version.
2025-26 summary
Estimated taxable crypto outcome for an Australian individual
The estimator combines staking income, FIFO disposals, and CGT discount treatment into a single summary.
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 includedEstimator assumptions
- Disposals use FIFO parcels from the crypto transactions you entered.
- 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 more than 12 months.
- Staking receipts are treated as ordinary income on receipt and also become new parcels for later CGT tracking.
- AUD values come from your inputs. No exchange-rate or price history lookup is included in this version.
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 unit What this page does
A crypto tax calculator page that search engines can actually read
The estimator itself is interactive, but the key assumptions and example outputs are also rendered into the page HTML. If you are trying to estimate crypto CGT in Australia or the income effect of staking tax in Australia, you can understand the model before entering transactions.
Example taxable capital gain
The default example currently shows a net capital gain of $3,671 entering taxable income after FIFO and discount assumptions.
Example staking income
The same example includes $2,520 of staking income, showing how non-CGT crypto receipts can sit beside disposal events in one annual estimate.
Example taxable income
With salary or other taxable income entered, the app estimates a broader taxable income figure of $96,191 for the year.
Example tax impact
In the example scenario, estimated income tax plus Medicare levy reaches $21,569, which frames the likely scale of the tax effect.
Coverage
Built for the narrow slice that matters in a first crypto tax estimate
This version is intentionally strict. It solves the common Australian retail investor pattern before moving toward import flows, DeFi parsing, or lodge-ready outputs.
What it covers
Buys, sells, swaps, and staking income with user-entered AUD values for the 2025-26 tax year.
What it does not cover yet
Airdrops, NFTs, DeFi lending, liquidity pools, bridging, mining, entity tax rules, or exchange API sync.
How gains are handled
Disposals are matched to prior parcels using FIFO, then losses and discount logic are applied to estimate the taxable gain.
How to use the result
Use it as a planning estimate before talking to your accountant or preparing a more complete transaction ledger.
How it works
The output is a tax summary, not a raw ledger dump
The app compresses the event list into the numbers that usually matter first: gains, losses, discountable gains, staking income, estimated taxable income, and broad tax impact.
Manual AUD control
You provide the AUD values so the estimate stays independent of price-feed quality or token symbol mapping mistakes.
Readable assumptions
The calculator shows the simplifying rules it used so you can see where the estimate is strong and where specialist advice may still be needed.
Tracked remaining parcels
After disposals and swaps, the app still shows what holdings and cost base remain inside the simplified ledger.
Shareable scenario links
The current state lives in the URL so you can hand a scenario to someone else without creating an account.
Who this is for
Made for Australian retail investors, not every crypto edge case
The product positioning is intentionally narrow. It is built for people who broadly know what happened in their wallet or exchange account and want an estimate before they talk to an accountant or prepare a fuller transaction ledger.
Good fit
Spot buys and sells, portfolio rebalances, crypto-to-crypto swaps, and staking receipts where you already have the AUD values.
Poor fit
Heavy DeFi use, liquidity pools, bridges, wrapped assets, mining, NFTs, airdrops, or entity-level tax analysis.
Why the manual AUD model exists
It avoids false precision from weak symbol mapping or historical price lookups. In this version, your own records control the valuation inputs.
What to read next
Use the records guide if you need to tighten your source data before trusting the estimate.
FAQ
Questions this Australian crypto tax estimator answers clearly
Does swapping one coin for another trigger tax?
In this estimator, yes. A swap is treated as a disposal of the outgoing asset and a new acquisition of the incoming asset.
Why ask for my other taxable income?
Because the tax impact of crypto activity depends on the rate band it lands on top of, not just the crypto activity in isolation.
Can I lodge my return from this app?
No. It is a planning estimator only. You still need a complete tax record and, where needed, professional advice.
Can losses reduce staking income?
No. Capital losses offset capital gains, while staking receipts are treated as ordinary income in this version.