Australia Crypto Tax Calculator — Free ATO Report
Import your exchange files and get every CGT event with its cost base, which gains qualify for the 50% discount, and your net capital gain for the income year. No upload, no sign-up, no paywall.
Your transaction files never leave your device. How to check this yourself
Figures for general information, not tax advice. Does not apply the personal-use asset exemption unless you choose to. Disclaimer
How to work out your crypto CGT for the ATO
For investors, the ATO treats crypto assets as CGT assets: selling them, swapping one for another, spending them or gifting them is a CGT event, and each needs a capital proceeds figure in Australian dollars and a cost base (ATO: acquiring and disposing of crypto assets). The income year runs from 1 July to 30 June. The calculator works out each event, tells you which parcels qualify for the discount, and totals the year in the order the rules require.
- 1
Import every account
Download the full history from each exchange and wallet, including earlier years, so each parcel has its real purchase date and cost.
- 2
Review and confirm
Match transfers between your own wallets, give a cost to deposits from elsewhere, and mark any disposal you believe was a personal-use asset.
- 3
Download the report
Choose the income year and download the PDF and CSVs: CGT events, discount status, net capital gain and the income list.
What you get
- A CGT event for every sale, swap, spend or gift of crypto
- Parcels identified first in, first out by default, with specific identification as an option
- 50% CGT discount flagged on parcels held at least 12 months
- Capital losses applied before the discount, to non-discount gains first
- Net capital gain and net capital losses carried forward
- Staking rewards and airdrops listed as ordinary income at receipt
- Personal-use asset exemption only when you choose it for a specific disposal
- PDF report and CSV ledger, free and without a watermark
What happens to your files
Your transaction files never leave your device. CryptoTaxOwl reads them and calculates your report inside this browser tab. We don’t upload them, and the ads and analytics on this website can’t see them: the calculator runs in a separate, ad-free part of the site. To value your trades we download the same price file for every visitor, so even that doesn’t reveal what you hold.
Your exchange files are read in your browser and processed on your device, inside a separate, ad-free part of the site. CryptoTaxOwl has no account system and keeps nothing after you close the tab, unless you save a project file yourself. You can confirm there’s no upload with the steps on our how-it-works page.
We will never ask for exchange logins, API keys, wallet addresses or a recovery phrase.
The 12-month discount, and losses before the discount
Two hand-calculated test cases from the Australian engine’s suite.
1. A gain that qualifies for the discount
You buy 1 BTC on 1 July 2023 for A$30,000 and sell it on 3 July 2024 for A$90,000. The capital gain is +A$60,000. You held it for at least 12 months, so as an Australian resident individual you can reduce the gain by 50%, leaving A$30,000 in your net capital gain. The ATO counts the 12 months excluding the day you acquired the asset and the day of the CGT event (ATO: CGT discount), so a sale on 30 June 2024 would not qualify.
2. Losses come off before the discount
In one income year you have a A$10,000 capital loss, a A$20,000 gain on coins held under 12 months and a A$40,000 gain on coins held over 12 months. The loss is applied first, to the non-discount gain: A$20,000 − A$10,000 = A$10,000. The discount then halves the A$40,000 gain to A$20,000. Net capital gain: A$30,000. Applying the loss after the discount instead would overstate what you can deduct, which is why the order matters.
Who gets the 50% discount, and how the 12 months are counted
The ATO allows individuals to reduce a capital gain by 50% if they owned the asset for at least 12 months and are Australian residents for tax purposes. When counting the 12 months you exclude the day of acquisition and the day of the CGT event (ATO: CGT discount). The ATO’s own example: an asset acquired on 20 June 2024 and disposed of on 20 June 2025 has been held for 364 days by that count, so the discount doesn’t apply. The calculator uses the same counting on every parcel and shows the holding days next to each event.
Staking rewards and airdrops
The ATO says staking rewards are ordinary income, equal to the money value of the tokens when you receive them, and you declare them as other income; when you later dispose of those tokens you work out a capital gain or loss as usual (ATO: staking rewards and airdrops). The report lists rewards in a separate income table, with the value at receipt used as their cost base. Our staking and airdrops guide compares this with other countries.
Where the figures go, and when
The report gives you total current-year capital gains, the net capital gain and any net capital losses to carry forward, with labels for the capital gains section of your return. If you lodge yourself, the return for the year ending 30 June is due by 31 October; a registered tax agent may have a later date if you engage them before then (ATO). See the deadline calendar.
Good to know
- Personal use is never assumed. Crypto held as an investment isn’t a personal-use asset. You can flag a specific small purchase you made to use for personal consumption, and the report notes it.
- Swaps are CGT events. Exchanging one crypto for another is a disposal at market value in Australian dollars, even though no dollars changed hands.
- Traders are different. If you carry on a business of trading crypto, the ATO may treat it as trading stock. The report covers investors only.
- Missing purchases mean missing cost. A deposit with no purchase behind it gets a review item: match it, enter its cost, or accept zero cost, which is then listed in the report.
- Keep the records. The CSV ledger shows the date, the parcel used and the cost base for each event, which is the kind of record the ATO expects you to keep.
CryptoTaxOwl produces figures for general information. It isn’t tax, legal or financial advice, and it can only be as complete as the files you import. Check the warnings in this report, keep your own records, and speak to a qualified tax adviser if you’re unsure. You are responsible for what you file. Does not apply the personal-use asset exemption unless you choose to.
Related calculators and guides
- Crypto cost basis methods: FIFO, LIFO, HIFO and average cost comparedOne set of trades under four methods, and which method the US, UK, Canada, Australia and Germany allow.
- How staking rewards and airdrops are taxed in the US, UK, Canada, Australia and GermanyIncome or capital? When rewards are taxed, how they’re valued and how that value becomes your cost later.
- Moving crypto between your own wallets: why it isn’t a sale, and how to fix mismatchesSelf-transfers, network fees, and the unmatched deposits that quietly inflate tax reports.
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Questions people ask
Do I pay tax when I swap one crypto for another in Australia?
A swap is a CGT event. You make a capital gain or loss based on the market value of the crypto you received, in Australian dollars, compared with the cost base of the crypto you gave up.
How do I know if I get the CGT discount?
You need to be an Australian resident individual and to have owned the crypto for at least 12 months, not counting the day you bought it or the day you disposed of it. The report shows the holding days and the discount status for every parcel.
Which parcel is sold first?
The calculator uses first in, first out by default and lets you switch to specific identification if your records show which units you disposed of. Whatever you use, keep records that support it.
Are staking rewards taxed in Australia?
Yes. The ATO treats staking rewards as ordinary income at their money value when you receive them. That value becomes their cost base when you later dispose of them.
Can I use the personal-use asset exemption?
Only for crypto you acquired and used to buy items for personal use or consumption, and the ATO says it doesn’t apply to crypto held as an investment. The calculator never applies it unless you flag a specific disposal.
Which income years are supported?
2025-26 and 2024-25 (1 July to 30 June). Earlier transactions are still used to work out cost bases and holding periods.