Proposed law — not yet passed

2027 CGT Reform Calculator

Model the estimated difference in after-tax outcomes for a single share or ETF holding under the current 50% discount versus the proposed 1 July 2027 rules (CPI cost-base indexation with a 30% minimum tax on real gains).

Your investment

This calculator models the estimated difference in after-tax outcomes for a single asset, such as a share or ETF holding.

$
%
Years held before sale.
%
%
Implied capital growth of +4.00% p.a. over 10 years.
Inflation assumption
Assumed CPI — 3.0%
Your tax situation
After-tax value — current rules
$249,390
Total tax: $32,646
After-tax value — 2027 rules
$254,684
Total tax: $27,353
+$5,294 better off under 2027 rules(tax +$5,294)
After-tax value over time
Compares the two regimes year-by-year across the selected period.
Key assumptions
  • Capital gains and income are computed on a single asset — no loss offsetting.
  • Dividends taxed at the marginal rate (no franking credits modelled).
  • All income is treated as unfranked.
  • CPI indexation compounds annually.
  • No transaction costs or brokerage modelled.
  • The 50% CGT discount applies when held more than 12 months.
  • Transition / time-apportionment for existing holdings is not modelled.
  • No other capital gains or losses are assumed.
  • The 2027 rules are as announced in the 2026-27 Federal Budget — legislation has not yet passed.
General advice warning: This tool is a projection based on the assumptions you enter. It does not model your full tax position, loss offsetting or carry-forward losses. It is not personal financial or tax advice; consult a registered tax agent before acting.
Want this applied automatically across every holding in your real portfolio, using your actual cost bases and acquisition dates? Try the portfolio-aware version →