Share & Crypto Traders · FY2025-26 Edition
Share & Crypto Trader Tax Calculator
Shares, ETFs and crypto — capital gains with the 50% discount, franking credits, and the investor-vs-trader question, handled properly.
What's inside
- ✓Handles both outcomes: investor (capital gains + 50% discount) vs trader (business income)
- ✓Disposal tracker auto-flags 12-month discount eligibility and nets losses correctly
- ✓Dividends grossed up with franking credits as a refundable offset
- ✓Covers shares, ETFs and crypto (incl. crypto-to-crypto swaps as CGT events)
- ✓Plain-English investor-vs-trader guide — your call, with the ATO's factors laid out
- ✓Current FY2025-26 rates on a sources tab with ATO links — nothing hard-coded
- ✓Tax saving estimate at your marginal rate (estimate only)
- ✓Record-keeping checklist matched to ATO substantiation rules
- ✓Print-ready one-page summary for your accountant
- ✓Medicare levy exemption + deductible super contribution support
- ✓No macros. Protected formulas. Works in Excel & Google Sheets.
Myth check — things you can't claim
- ✗Crypto-to-crypto swaps ARE taxable disposals
- ✗Brokerage isn't a deduction for investors (it's cost base)
- ✗Capital losses don't offset your salary
The full myths tab inside the workbook covers your occupation's complete list, straight from the ATO occupation guide.
General information only — not tax, legal or financial advice. This workbook applies published ATO rates and rules for FY2025-26 but does not consider your personal circumstances. We are not registered tax agents. Confirm your position at ato.gov.au or with a registered tax agent.