The Finance Algorithm
§ Tool · tier 1 · independent

Crypto Tax Compliance Calculator.

Calculates crypto gains, trading fees, and optimises for tax compliance for the 2026 Australian financial year.

CalculatorFree, no signupOn-deviceupd August 2026
Inputs
Your numbers

One transaction per line: Date,Asset,Type,Quantity,Price(AUD),Fee(AUD). Types: Buy, Sell, Swap, Earn, Spend.

Select the financial year for compliance reporting.

Traders are taxed on revenue account. Investors incur CGT.

Math updates live as you change inputs · AI runs on submit

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Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

This Crypto Tax Compliance Calculator helps Australian investors and traders optimise their 2026 tax returns. It calculates gains and losses for all digital assets using up-to-date ATO rules, lets you deduct exchange fees, and generates a clean summary for your accountant or the myGov portal. Import CSVs directly from major exchanges or enter trades manually.

§ Worked examples

Real-world scenarios

Investor selling Bitcoin with fee deduction

Naomi buys 0.15 BTC in October 2025 at $62,000 per coin ($9,300 total) and sells the same 0.15 BTC in March 2026 at $93,000 per coin ($13,950 total). She paid $25 in trading fees on each side.

Inputs

cryptoTransactions:2025-10-21,BTC,Buy,0.15,62000,25 2026-03-10,BTC,Sell,0.15,93000,25taxYear:2025-26areYouTrader:NofeeDeductible:true

Naomi’s net capital gain: $4,600; claimable fees: $50; held under 12 months so the 50% CGT discount doesn’t apply; expected CGT at the top marginal rate: $2,070 (actual liability depends on her total taxable income)

Trader with multiple altcoin transactions

Hardeep actively trades ETH and ADA with frequent swaps. He uses the trader option; all profit is taxed as income.

Inputs

cryptoTransactions:2025-07-11,ETH,Buy,2,2950,20 2025-10-09,ETH,Sell,2,3250,20 2026-02-15,ADA,Swap,1500,0.41,3taxYear:2025-26areYouTrader:YesfeeDeductible:true

Hardeep’s total profit: $1,175; total fees: $43; all taxable at his marginal income tax rate as business income

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Capital Gains Tax (CGT)
Tax on profit when you dispose of digital assets like cryptocurrencies.
Trader vs Investor
Traders are taxed on business income; investors pay CGT on gains/losses.
Fee Deduction
Trading and exchange fees can be deducted from total gains for net profit calculation.
Spot Rate
The exact AUD value of a crypto asset at transaction timestamp (used for all compliance).
Tax Event
A transaction triggering a profit or loss for tax purposes (sell, swap, spend, earn, airdrop).