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INVESTOR TOOLS

Which CGT method leaves you better off?

Compare the existing 50% CGT discount with the proposed inflation-indexation method for an eligible Australian new-build investment.

Applies from 1 July 2027: eligible new-build investors may choose either method when the property is sold. The result is an estimate based on the assumptions entered.

LIVE PROPERTY SNAPSHOT

Keep the comparison moving with the property

CALCULATES LIVE

Save the investment once. Whenever its latest valuation changes, GrowTell immediately recalculates both methods below.

Saved on this deviceCurrent value is $300,000 above purchase price

YOUR NUMBERS

Investment assumptions

COMPARISON

LOWER ESTIMATED TAX

—

Enter your assumptions to compare.

50% discount
$0Estimated tax payable
Nominal gain
$0
Taxable gain
$0
Rate used
0%
Indexation
$0Estimated tax payable
Indexed cost base
$0
Real taxable gain
$0
Rate used
30%
Property value$0
After-tax proceeds · discount$0
After-tax proceeds · indexation$0
Break-even inflation—

The average annual inflation rate at which both methods produce approximately the same result.

How this estimate works

The discount method halves the net nominal capital gain after entered capital losses. The indexation method compounds your eligible cost base by inflation, deducts selling costs and losses, then applies the higher of your entered tax rate or the proposed 30% minimum rate.

For simplicity, all purchase costs and improvements are treated as if incurred at purchase. Actual CGT calculations may index different cost-base amounts from different dates.

Important: This is a scenario tool, not tax or financial advice. The reforms apply to gains accruing from 1 July 2027 and implementation details may affect your result. Eligibility, ownership structure, residency, capital losses, cost-base timing, exemptions and levies can materially change tax payable. Confirm the calculation with a registered tax adviser before making a decision.