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Property Sale Profit Calculator (Australia)
Find out how much you'll walk away with after selling your property. We factor in capital gains tax (including the 50% holding-period discount), agent commission, selling costs and your remaining mortgage balance.
Property Sale Profit Calculator
Estimate the net profit from selling your Australian property, including capital gains tax, agent fees and mortgage payout.
Inputs
Selling costs
Results
Gross capital gain
$230,000
Holding period
Eligible for 50% discount (held ≥ 12 months)
2236 days
CGT discount
50%
Taxable capital gain
$115,000
Marginal tax rate
45%
Estimated CGT payable
$51,750
Total selling costs
$20,000
Mortgage payout
$350,000
Net profit from sale
$428,250
Educational estimate only — not financial or tax advice. Consult a registered tax agent.
How the sale profit is calculated
Net profit = Sale price − Mortgage − Selling costs − Capital gains tax. Every dollar of selling cost reduces both your take-home amount and your taxable capital gain (because selling costs are part of your cost base).
Cost base. The ATO defines your cost base as the purchase price plus capital improvements (renovations that added value, not repairs or maintenance) plus incidental costs of buying and selling (stamp duty, conveyancing, agent commission, advertising).
Capital gains tax. Your capital gain equals the sale price minus the cost base. If you held the property for 12 months or more, individuals receive a 50% discount — only half the gain is taxed. The taxable gain is added to your other income and taxed at your marginal rate.
Main residence exemption. If the property was your primary residence for the entire ownership period and you didn't earn income from it, the full gain is exempt from CGT.
Capital loss. If you sell for less than your cost base, the loss can be carried forward to offset capital gains on other assets in future years.
This is an educational estimate, not financial or tax advice. CGT rules are complex — especially for properties that were partly rented or used as a main residence for only part of the ownership period. Consult a registered tax agent.
Track your cost base automatically
Knowing your true cost base at tax time means tracking every improvement and expense from day one. VANTAGE captures transactions from your property manager statements automatically and exports a clean CSV for your accountant.
Start tracking free