The Finance Algorithm

Crypto Tax Compliance Calculator

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

Updated October 2026Built and checked by MaverickHow it's calculatedReport an error

Your numbers

Updates as you type

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.

The button asks our AI to explain these figures in words.

Crypto tax: FY 2025-26 (Investor)

Net capital gain

$4,600

2 txs parsed

Taxable amount

$4,600

after 50% CGT discount

Tax @ top rate

$2,070

upper bound estimate

Fees tracked

$50

included in cost-base

Top contributors to your net position

Up bars are realised gains in-window, down bars are realised losses.

$4,600BTC
Proceeds
$13,925
Cost base
$9,325
ST vs LT
$4,600 / $0
Per-asset breakdown
BTC
1 buy / 1 sell
Proceeds $13,925
Cost $9,325
$4,600
Net gain of $4,600 for 2025-26
Treated as an investor: $0 on units held at least 12 months and $4,600 on units held less. Capital losses are applied first, then the 50% CGT discount to the remaining long-held gains. Net capital gain: $4,600. At the 45% top rate that would be $2,070. All lines parsed. Fees included in the cost base and proceeds.

How it works

This Crypto Tax Compliance Calculator helps Australian investors and traders work out their tax position for the 2026-27 financial year. It calculates gains and losses for all digital assets using up-to-date ATO rules, using FIFO (first-in-first-out) cost-base matching, and lets you deduct exchange fees. Paste your transactions in the format below: a summary you can copy into your own records or hand to your accountant is generated on screen.

  1. 1Enter your crypto transactions: one per line, in the format: Date, Asset, Type, Quantity, Price (AUD), Fee (AUD). Most exchanges let you export a transaction history you can reformat into this in a spreadsheet.
  2. 2Select the correct financial year for reporting
  3. 3Confirm whether you are classed as an investor (CGT applies) or a trader (income tax applies)
  4. 4Review fee deduction settings as per your situation
  5. 5Read the total gains, allowable losses, fees claimed and tax due; they update as you type
  6. 6Copy the on-screen summary for your own records or to share with your accountant

Worked examples

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.

Crypto transactions
2025-10-21,BTC,Buy,0.15,62000,25 2026-03-10,BTC,Sell,0.15,93000,25
Financial year
2025-26
Are you classed as a trader (not investor)?
No
Include trading/exchange fees?
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.

Crypto transactions
2025-07-11,ETH,Buy,2,2950,20 2025-10-09,ETH,Sell,2,3250,20 2026-02-15,ADA,Swap,1500,0.41,3
Financial year
2025-26
Are you classed as a trader (not investor)?
Yes
Include trading/exchange fees?
true

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

Questions people ask

How are crypto gains taxed in Australia?
If you’re an investor, all profits on disposal are taxed as capital gains at your marginal rate. If you’re a trader, profits count as ordinary income. Losses may be offset against other income (with limits).
Do I report every transaction?
Yes. Each buy, sell, swap, earn, or spend event must be reported with AUD values on the date. Transfers between your own wallets don’t trigger tax.
Can I deduct trading and exchange fees?
Yes, you can claim reasonable trading/exchange/brokerage fees as deductions from gains. Keep all receipts/statements.
What happens if I forget/misreport transactions?
ATO data-matches with exchanges. Inaccurate or missing reports can trigger audits, penalties, or legal consequences.
Are complicated DeFi and NFT transactions covered?
This tool handles most basic transaction types. For complex DeFi/NFTs, consult a tax accountant or use professional crypto tax software.

The terms, in plain English

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).

Official sources

Capital Gains Tax Calculator

Estimate your capital gains tax with ATO-compliant logic.

Income Tax Calculator

Calculate your personal tax if you’re a trader or high-frequency investor.

ETF Returns Calculator

Check capital gains impacts for funds and ETFs.