Property Exit & CGT Calculator
Plan your exit. Estimate the net proceeds from your property sale after factoring in Australian Capital Gains Tax and standard discounts.
Transaction data
Holding for 12+ months grants access to discounts
Exit Projection
Estimated Taxable Gain & Tax
* Tax estimate assumes a simplified scenario. Individuals are modeled at the highest tax bracket for a conservative estimate.
The 12-Month Rule
In Australia, individuals and trusts can discount their capital gain by 50% if the asset was held for more than 12 months. SMSFs receive a 33.33% discount. Companies do not receive a discount.
How CGT works for Real Estate
Capital Gains Tax is not a separate tax; your 'Taxable Capital Gain' is added to your other assessable income in the financial year you exchange contracts (not the settlement date).
For high-value commercial sales, this often pushes the seller into the highest marginal tax bracket (47%). Structuring your purchase in a Trust or SMSF at the beginning of the journey is critical for protecting your exit equity.
Common Deductions to Base Cost
- Stamp Duty: The tax paid on purchase is added to your cost base.
- Capital Improvements: Renovations or major structural repairs.
- Selling Costs: Agent commissions, marketing, and legal fees.
Model Your Retirement Strategy
Plan to sell down properties and transition your capital to liquid markets? Run your portfolio through our customized Property FIRE Calculator with automated ETF sell-down and transition modeling.