Investor Tools

CGT-Optimised Sale Timing

Does it matter whether you settle this financial year or next? Compares CGT liability across two settlement years given your income forecast.

Expected Sale Price

Cost Base

Held 12+ Months?

Property Type

Taxable Income THIS FY (ex gain)

Forecast Income NEXT FY (ex gain)

Settlement year comparison

Recommendation

Uses the brackets for the financial year the contract falls in: 2025-26 (lowest rate 16%), the legislated 2026-27 brackets (lowest rate 15%) and the legislated 2027-28 brackets (lowest rate 14%, Treasury Laws Amendment (More Cost of Living Relief) Act 2025). The CGT event falls on contract date, not settlement. Always speak with an accountant. Sale price has 3% deducted to estimate selling costs (agent commission, marketing, legals); your actual costs may differ.

Discuss Timing with Daniel

Want more context? Read the full guide: Capital Gains Tax When Selling Your Home in Brisbane →

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