Capital Gains Tax Adelaide | CGT Calculations, Property, Shares, and Small Business Advice
Our Adelaide CGT accountants calculate your capital gains correctly, apply every available exemption and concession, and advise on the strategies that legitimately reduce what you owe before you sell, not after.
CGT Is One of the Largest Tax Events in Most Australians' Financial Lives
Capital gains tax in Australia applies whenever you dispose of a capital asset property, shares, cryptocurrency, business assets, or collectibles for more than you paid. The gain is included in your assessable income and taxed at your marginal rate, after applying any available concessions.
At The Kalculators, our Adelaide CGT team advises investors, property owners, business owners, and self-managed super fund trustees on every aspect of capital gains tax. We calculate CGT correctly, apply all available exemptions and concessions, and advise on the strategies that reduce your liability. We coordinate with your individual tax return, SMSF administration, and business advisory so your CGT position is always considered as part of your complete financial picture.
What Is Capital Gains Tax in Australia?
Capital gains tax (CGT) is not a separate tax in Australia. Capital gains are included in your assessable income and taxed at your marginal rate. CGT was introduced in Australia on 20 September 1985. Assets acquired before that date are generally exempt. See the ATO Capital Gains Tax hub for the complete framework.
Under current law, if you have held an asset for more than 12 months before disposal, you are entitled to the 50% CGT discount, meaning only half the gain is included in your assessable income. Companies do not get the 50% discount. Superannuation funds get a 33.33% discount.
Our Capital Gains Tax Services in Adelaide
CGT applies to every significant asset disposal property, shares, business assets, and more. We calculate your gain correctly, apply every available concession, and advise before the sale, not after it.
Investment Property CGT Advice and Calculation
Cost base, main residence exemption, six-year rule, and 50% CGT discount all applied correctly. We advise before the contract is signed, not after, when most planning options are already closed.
Share and Investment Portfolio CGT
Every disposal event is calculated correctly. For large portfolios, the parcel identification method FIFO, LIFO, or minimisation is selected to produce the lowest CGT liability for your financial year.
Small Business CGT Concessions
Four concessions: 15-year exemption, active asset reduction, retirement exemption, and rollover relief that can reduce or eliminate CGT on a qualifying business sale. We assess eligibility for every disposal.
CGT in SMSF
15% CGT in the accumulation phase. 0% in pension phase. The timing of asset disposals relative to pension commencement can make a significant difference. We advise on that timing before you sell.
CGT on Business Sale or Succession
Sale structure, entity type, and concession eligibility all determine the tax outcome when you sell a business. We advise on the most tax-effective structure before the transaction is completed.
CGT Planning and Pre-Sale Advice
The most valuable CGT advice arrives before the sale, not after. We review your cost base, ownership structure, holding period, and applicable concessions up to twelve months before a planned disposal.
Don't Just Take Our Word For It
Daniel Hughes
Adelaide, Australia
I received a Director Penalty Notice and had no idea what to do. The Kalculators took over within 24 hours — explained everything clearly, dealt directly with the ATO, and gave me my first decent night of sleep in months. I can't recommend them highly enough.
South Australia's Trusted Capital Gains Tax Advisers
Founded by Kaleem Ullah, The Kalculators was built on a clear belief: every South Australian investor and business owner deserves access to tax advice that is accurate, proactive, and tailored to their specific situation, not a generic return lodged after the fact.
With 3 Adelaide offices and online service across South Australia, 20+ qualified consultants, and IPA Practice of the Year (SA and NT 2025), The Kalculators has the depth and the team to advise on inheritance and estate tax matters of every complexity.
IPA Practice of the Year
(SA & NT – 2025)
Xero Gold Partner
AusMumpreneur Awards
– Business Excellence
Member of the Year 2019 –
Institute of Public Accountants
Member of the Year 2025 –
Institute of Public Accountants
Tax Practitioners Board
Registered Agent
Australian Accounting
Awards (2019)
Australian Accounting
Awards (2020)
Australian Accounting
Awards (2021)
0k+
Returns Annually0+
Tax Consultants$0M+
In Claimed Deductions0+
Office LocationsWhy Adelaide Investors Choose The Kalculators for Capital Gains Tax Advice
Most Australians assume inheritance is tax-free. In reality, CGT on property and shares, up to 17% tax on inherited super, and income tax on earnings from inherited assets can significantly reduce what you actually receive. The rules are different for each asset type:
- Pre-sale CGT planning — we advise before the contract is signed, not after, when most planning options are still open
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- Full cost base review — we document every cost base element, including purchase costs, improvements, and associated fees
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- Small business CGT concession assessment — all four concessions assessed for every business asset disposal
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- SMSF CGT strategy — pension phase timing, accumulation phase CGT rates, and asset disposal sequencing all considered
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- 2026 budget reform advice — we are monitoring the proposed CGT changes and will advise on the implications immediately after the budget
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- Full in-house service — CGT calculation, concession assessment, and tax return lodgement handled by one integrated team
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- No outsourcing — the accountant you speak to manages your CGT matter from start to finish
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- Transparent fees — clear pricing agreed upfront before you commit
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3 Adelaide offices and online service across South Australia with after-hours appointments —— Find your nearest office
Capital Gains Tax on Different Asset Types | What Adelaide Investors Need to Know
Not all capital gains are taxed the same way. A rental property, a share portfolio, a crypto wallet, and a business sale each follow different CGT rules, and getting it wrong means either overpaying or facing ATO scrutiny. We assess each asset on its own terms and ensure your return is accurate and optimised.
Investment Property
We calculate CGT on rental and investment property sales, apply the main residence exemption and six-year rule where eligible, and ensure you claim the 50% discount on properties held over 12 months. Every cost base element is accounted for.
Shares and Managed Funds
We determine the correct cost base for every parcel, including brokerage and reinvested distributions, and advise on FIFO, LIFO, or minimisation methods to reduce your CGT liability. Large portfolios need strategic selling, not guesswork.
Cryptocurrency
Every swap, sale, and spend is a CGT event under ATO rules. We reconcile transactions across multiple exchanges, apply the 50% discount for holdings over 12 months, and ensure every disposal is correctly reported on your return.
Business Assets
We assess eligibility for all four small business CGT concessions, including the 15-year exemption, 50% active asset reduction, retirement exemption, and rollover relief. Applied correctly, these can reduce or eliminate CGT on a business sale entirely.
Inherited Assets
No CGT applies when you inherit an asset. Tax only arises when you sell. We determine the correct cost base at the date of death, apply the 50% discount where the combined holding period exceeds 12 months, and advise on the two-year main residence window.
Personal Use Assets and Collectibles
Personal use assets acquired for under $10,000 are CGT-exempt. Collectibles like artwork, jewellery, and coins are taxable if acquired for $500 or more. We identify which items need reporting and ensure only the correct assets appear on your return.
Trusted by Thousands Across South Australia
Our Branch Locations
Salisbury Branch
salisbury@thekalculators.com.au
182 Salisbury Highway, Salisbury, SA 5108
Frequently Asked Questions
Need Capital Gains Tax Advice in Adelaide? Talk to Our CGT Team Today.
With 3 Adelaide offices and online service across South Australia, Monday to Friday 9:00am to 6:00pm, and an integrated accounting, SMSF, and financial planning team, we make capital gains tax advice straightforward and accessible for South Australian investors. Our services extend across
individual tax returns, property investment tax advice, SMSF administration, wealth management, and business advisory.
Contact our team today for a no-obligation consultation.
