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CGT Changes
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All blue cells are editable. Formulas elsewhere reference these inputs.
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Timeline & key dates
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Model start year (July)2026
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Home purchase year (July)2036
Choose what year you are planning to sell your investments (buying a home)
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Years until purchase10
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Tax & growth assumptions
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Marginal tax rate30.0%
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Medicare levy2.0%
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Total marginal rate (incl. Medicare)32.0%
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Stock market growth p.a.10.0%
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Inflation p.a.3.0%
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Starting position (July 2026)
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Existing portfolio value$5,000
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Pre-indexed capital gain (pre-July 2026)$400
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Expected capital gain July'26–July'27$450
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CGT treatment on sale
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Apply 50% CGT discount? (leave as 1)1
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CGT discount %50.0%
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Effective discount applied50.0%
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Per-year contribution schedule (editable)
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Edit any cell in rows 37 & 38.
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Year (ending July)2027202820292030203120322033203420352036
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Total post-tax → shares (gross plan)$5,000$5,000$5,000$5,000$10,000$10,000$10,000$10,000$10,000$10,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000$70,000
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New CGT regime (2026 Federal Budget, effective 1 Jul 2027)
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Apply new CGT regime to post-2026 shares? (leave as 1)1
1 = post-2026 shares use new regime (cost-base indexation + 30% effective floor). Grandfathered pre-2026 portfolio
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CPI rate for cost-base indexation3.0%
Linked to inflation assumption (B14). New regime indexes cost base by CPI: gain = sale value - cost × (1+CPI)^years_held.
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Minimum effective CGT rate (floor)30.0%
Effective CGT rate floor under new regime. Applies to post-2026 (new-regime) gains only
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CGT regime transition year (gains pre-this year keep 50% discount; gains after use new regime)
2027
1 July 2027 = start of new CGT regime per the 2026 Federal Budget. For any asset held across this date, the gain is split: portion accrued before the transition gets the 50% discount (old regime), portion accrued after gets indexation + 30% floor (new regime).
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