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318 days until 1 July 2027
Australia’s capital gains rules reset on 1 July 2027. Pro gets you ready.
The 50% CGT discount ends and most assets you hold have their cost base reset. Pro runs that change across the parcels you actually own, the property you actually rent out and the income you actually earn — on the same ATO-verified engine as our 92 free calculators.
Free tier forever · no card to start · paid plans renew automatically until you cancel, and you can cancel anytime
Actual product interface, shown with sample data.
318
days until the CGT rules reset
92
free calculators
11
Pro Suite modules
$0
to start — free tier
2027 Reset Planner — Pro
Which of your parcels does the reset actually reach?
Not all of them, and the answer is not obvious. A parcel bought after 30 June 2027 never sees the old discount. One bought years ago has its cost base reset and keeps the old treatment on everything up to that date. One bought next winter is the awkward case — it straddles the change, and how much that costs depends on when you sell.
The Reset Planner prices each parcel you hold under both regimes and shows the difference in dollars. The comparison is free. The dollar figures are Pro.
Nothing changes for this one
Held long enough that the reset locks in the old treatment on everything you've gained so far.
Straddles the change
Bought before 1 July 2027, sold after. Part old rules, part new — the planner prices both halves.
Fully under the new regime
Indexed cost base and the 30% minimum apply to the whole gain. No discount to lose, because there was never one.
The sale date changes the bill
Where selling either side of 1 July 2027 produces a different tax figure — the planner shows both, and the size of the gap, so you can raise it with your registered tax agent.
General information, not personal financial or tax advice. Figures are estimates to check with your registered tax agent, and selling to re-establish the same position can attract the ATO’s wash-sale rules (TA 2008/7).
Why there’s nothing else quite like it
Trackers see your shares. Calculators see your pay. Pro is built on the one thing that connects them — your tax.
The 2027 reset, on the parcels you actually hold
Everyone can tell you the 50% discount is going. Pro is the only Australian tool that runs the replacement — indexed cost base, 30% minimum tax, the automatic cost-base reset on 30 June 2027 — across your own holdings, parcel by parcel, and tells you which ones the change actually reaches.
It knows the whole Australian tax picture
Portfolio trackers don't know your salary. Pay calculators don't know your shares. Pro runs both through one ATO-verified engine, so CGT, franking refunds and super caps are worked out against your actual income — brackets, Medicare, HELP and all. It's what makes Sell Smart possible: the tax on a sale, before you place it.
A real CGT engine, free to start
Capital gains reporting is the feature portfolio trackers lock behind hundreds of dollars a year — Sharesight removed it from their free plan entirely. Here your first 10 holdings include a current-year realised CGT report at $0: the full FIFO parcel engine, not a teaser.
No broker logins. No bank feeds.
No account to connect and no credentials to hand over. Add trades by hand or drop in your broker's CSV — your data stays yours, row-level-secured to your account, exportable and deletable any time you like.
Your numbers, kept live
A free calculator is a one-shot — you read a number and close the tab. Save it and we keep watching: when a new financial year's brackets, thresholds and levies would give your own figures a different answer, we re-run the inputs you saved and tell you what moved and by how much. Rates are verified against ATO sources every week, so it is the law that changed, not our homework.
See it doing the work
Every screenshot below is the actual product with sample data — what you see is what you sign into.
Sell Smart — Pro exclusive
See the CGT before you sell, not in July
Pick a holding, set the units and an expected price, and Sell Smart prices the sale through the same engine as your tax return — brackets, Medicare levy and HELP repayments included. It prices the sale either side of the 12-month discount date, so you can see exactly how the tax changes with the sale date. Trackers can't do this because they don't know your income; pay calculators can't because they don't know your parcels.
- Extra tax in dollars, at your real marginal rate
- The tax either side of the 12-month discount date — per FIFO parcel
- Taxable income prefills from your income tracker
Portfolio & CGT
Parcel-level CGT, worked the way the ATO works it
Every sale is matched to its buy parcels FIFO with brokerage in the cost base, the 12-month discount applied per lot and losses offset in the order that minimises your net capital gain. Sell 80 of 200 CBA shares and it knows exactly which parcels went, what they cost and whether they qualify for the discount.
- Broker CSV import with column auto-detection
- Per-parcel discount eligibility, not portfolio averages
- First 10 holdings and the current-FY report are free — Pro uncaps
Dividends & Franking
Franking credits tallied all year, not scrambled in June
Log dividends as they land and the suite keeps a running franked and unfranked split, estimated credits at the 30% gross-up and your assessable total — broken down by payer, ready to read straight into your return. Then hand it to the franking calculator to see the refund effect at your marginal rate.
- Per-payer breakdown for tax time
- Gross-up maths tested against worked examples
- Flows into your financial-year totals automatically
Tax Time HQ
Walk into your accountant's office with a pack, not a shoebox
Income, dividends, super and expenses roll into one financial-year summary the moment you record them. Before 30 June it works out what you can still act on — unused concessional super cap, parcels approaching the 12-month CGT discount, gains you could offset — with a dollar figure on each. Come July the year is already reconciled, because it was never scattered: download the summary PDF and hand it to whoever prepares your return.
- FY totals from every module, always current
- EOFY action plan with the tax saving on each item
- Accountant summary PDF in one click
- Full EOFY report: expenses by category and super cap analysis
Five jobs, not a feature list
Every module below is included. They’re grouped by what you came here to do, because that’s the only order that means anything.
Get ready for 2027
The parcels you hold and the property you rent out, read against the new law before it starts.
2027 Reset Planner
What the CGT discount's abolition means for the parcels you actually hold.
Property
Rental income/expenses per property, plus its 2027 negative-gearing grandfathering status.
Shares and capital gains
Every parcel matched FIFO, every dividend franked, priced at your own marginal rate.
Portfolio & CGT
ASX holdings with parcel-level capital gains, ready for tax time.
Dividends & Franking
Dividend income, franking credits and your refund estimate.
Pay and super
What you earn, what is withheld, what reaches your fund — and what a change would do.
Pay & Payslips
Payslip history with withholding and super checked every pay.
Super HQ
Contributions, cap headroom and where your balance is heading.
Scenario Lab
Model a pay rise, fewer days or a second job against your own numbers.
Money and home
Where it goes each month, and what your mortgage costs against the RBA average.
Money Snapshot
Your income, spending and super position at a glance.
Spending
Where your money actually goes, by category.
Mortgage Monitor
Your rate against the RBA average for existing borrowers, and what refinancing would save.
Tax time
Everything above, rolled into one financial-year position with what you can still act on.
Tax Time HQ
Financial-year summary of everything you have logged.
Running across all of them: Ask AI about your own numbers, email alerts when something needs doing, and one financial-year selector that follows you everywhere.
How this stacks up against the portfolio trackers
Sharesight and Navexa are good at tracking a portfolio — neither knows your salary or your tax position.
| Feature | Sharesight | Navexa | Oz Finance Hub |
|---|---|---|---|
| Free plan | 10 holdings, no tax reports at all | 14-day trial only | 10 holdings + current-FY CGT report |
| Your own parcels run through the post-2027 rules | Parcel selection under current law | Parcel selection under current law | Indexed cost base + 30% minimum, per parcel |
| Negative-gearing grandfathering & quarantined losses | No property module | No property module | Per-property status + a carry-forward ledger |
| Realised CGT report (ATO method) | Paid — Standard, $29/mo billed annually | Paid — from $20/mo | Free, current FY |
| Knows your salary, HELP debt & Medicare position | No | No | Yes — one tax engine |
| See the CGT before you sell, at your marginal rate | No | Parcel-selection strategies | Sell Smart — Pro exclusive |
| Cost for a full portfolio + tax reporting | $29/mo billed annually, or a $59 one-off Tax Pack | From $20/mo ($240/yr) | $9/mo or $79/yr |
Sharesight and Navexa pricing and features from their public pricing pages, checked 11 August 2026 — confirm on their sites, plans change. Sharesight and Navexa are trademarks of their respective owners; we’re not affiliated with either.
Simple pricing
Start free. Pay when it starts doing the thinking.
The free account is generous on purpose. Pro is for when you want your shares, pay, super and tax read together — less than one accountant's hour, for the year.
Just browsing
Free
$0no account needed
- All 92 calculators
- Live ATO rates, checked daily
- Shareable result links
Most people start here
Free account
$0the bit others charge for
- Portfolio: 10 holdings + current-FY CGT report
- Save your calculations, with history
- PDF exports and side-by-side scenario compares
- Income, dividend, super & expense trackers
- Payslip history + super watchdog
- Franking credit summary
The whole picture
Best valuePro
$79/year
$6.58 a month — save 27%
Or $9/month, billed monthly
Everything in Free account, plus:
- 2027 Reset Planner: the dollar impact, parcel by parcel
- Property: grandfathering status + a quarantined-loss ledger
- Sell Smart: see the CGT before you sell, at your marginal rate
- 500 holdings, up from 10 — plus prior-year CGT reports
- Mortgage Monitor: your rate vs the RBA average, in dollars
- Your fund's fees and returns against APRA's published medians
- Saved calculations kept live when the rules change
- Email alerts when something actually needs doing
- EOFY action plan with the tax saving costed
- Payslip photo import — no retyping
- Ask AI about your own portfolio and dividends
- 5,000 rows per tracker, 500 saves, 500 payslips
Secure checkout via Stripe · renews automatically each billing period until you cancel · cancel anytime from Account & billing
Prices in AUD, cancel anytime. General information only — not financial advice. CGT and franking figures are estimates to confirm with your registered tax agent.
Questions, answered
- What actually changes on 1 July 2027?
- For individuals and for trusts other than complying superannuation funds, the 50% CGT discount goes and is replaced with cost-base indexation plus a 30% minimum tax top-up (it survives for new residential dwellings and affordable housing) (Treasury Laws Amendment (Tax Reform No. 1) Act 2026 (No. 49, 2026)). An asset you already hold is treated as sold just before 1 July 2027 and immediately bought back at its market value, which resets its cost base: growth up to that point stays under the old rules, growth after it falls under the new ones. Nothing is taxed at the reset itself — the notional gain or loss is deferred to your real, eventual sale. The reset applies automatically, whether or not you do anything; there is no election that switches it on, which is worth stating plainly because a lot of commentary says otherwise. (There is one optional choice — an apportioning method instead of market value — but it changes how the reset is measured, not whether it happens.) Separately, negative-gearing losses on established dwellings contracted after 7:30pm AEST on 12 May 2026 are quarantined from your other income from the 2027-28 income year onwards.
- Is this financial advice?
- No. Pro is a set of self-serve tools over your own data — general information only, not personal financial advice. CGT and franking figures are estimates to take to your registered tax agent, not a substitute for one.
- Do you connect to my broker or the ASX?
- No account connections, ever. You add trades manually or import your broker's CSV export — we auto-detect common column layouts. To save typing, ASX codes autocomplete from the official listed-securities register. Every dollar figure comes from you — your trades, your dividend statements — never from a market-data feed into your accounts.
- What do I get without paying?
- Every calculator on the site stays free with no account, in full. A free account adds the things that only matter if you come back: saved calculations with history, PDF exports, side-by-side scenario compares, the four trackers, payslip history and a portfolio of up to 10 holdings including a current-financial-year realised CGT report — the report Sharesight's cheapest CGT-capable plan charges $29 a month billed annually for.
- How does the CGT engine work?
- FIFO parcel matching over your trades with brokerage included in the cost base, the ATO 12-month discount rule and the method statement applied in the order that minimises your net capital gain. Prior-year reports are a Pro feature. The engine already models what replaces the 50% discount from 1 July 2027 — indexation and the 30% minimum tax — which is what the Reset Planner runs your own parcels through.
- Can I cancel anytime? What about my data?
- Cancel anytime from Account & billing — you keep the free tier. Your data is row-level-secured to your account and you can export or delete it whenever you like.
- How does this compare to Sharesight or Navexa?
- They're good, dedicated ASX portfolio trackers — Sharesight for broker auto-sync and global benchmarking, Navexa for parcel-selection strategies. Neither knows your salary, HELP debt or tax bracket, so neither can price a sale at your actual marginal rate the way Sell Smart does. See the feature-by-feature table above, or the deeper Sharesight comparison.
- Why is Pro cheaper than paycalculatorau Pro but does more?
- paycalculatorau's Pro tier is calculators-only — saved scenarios, PDF export and side-by-side compare on salary and tax. It has no ASX portfolio, no CGT and no franking tracking at all, so it isn't really the same product. Pro includes everything a calculator-save-and-compare tier offers plus the whole portfolio, dividend and tax-time layer paycalculatorau doesn't have.
Coming from Sharesight? Read the honest comparison.
Start free — see your own numbers in it
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