CGT Rule Change — FIRE Impact Calculator
Australia · Proposed 30% minimum CGT from 1 Jul 2027 · Not financial advice
Your FIRE Number & Current Position
Set your targets and current balances. Uses the return rate from the slider above.
Total FIRE number (original)$2,500,000
ETF target (outside super)40%
Super target60%
Accumulation Projection
How much you need to invest per year to hit your targets. Uses the real return rate (return slider − inflation slider) to keep projections in today's dollars.
ETF — Outside Super
Current balance—
Target at retirement—
Years to retirement—
Projected without contributions—
Gap to close—
Annual contribution needed
—
—
Super — Inside Super
Current balance—
Target at preservation age—
Years to preservation age—
Projected without contributions—
Gap to close—
Annual contribution needed
—
—
ETF balance Super balance ETF target Super target
Note: Projection uses the real return rate (return slider minus inflation slider) since targets are in today's dollars. Super applies an additional 15% contributions tax on new contributions. ETF contributions are post-tax. Both assume contributions at start of each year, annual compounding.
Tax Snapshot — per person, based on gain % slider
Current — 50% CGT discount Sale proceeds—
Cost base—
Gross capital gain—
50% discount—
Taxable gain—
Other income—
Total taxable income—
Marginal rate on gain—
Tax payable — CGT—
Tax payable — other income—
Total tax payable—
Net cash received—
New — 30% min CGT (from Jul 2027) Sale proceeds—
Cost base—
Gross capital gain—
Inflation indexation—
Taxable gain (after indexation)—
Other income—
Total taxable income—
Effective tax rate on gain—
Tax payable — CGT—
Tax payable — other income—
Total tax payable—
Net cash received—
Extra tax vs old rules—
Revised FIRE Number
Extra CGT cost — couple combined
Extra tax per year
based on gain % slider
Drawdown period
—
years of ETF drawdown
Total extra tax
= extra ETF buffer needed
Original plan
ETF (outside super)—
Super (at preservation age)—
Total FIRE number—
After new CGT rules
Total extra tax over drawdown—
Extra ETF needed (grossed up for tax)—
Extra to invest per year to fund buffer
ETF target (outside super)—
Super (unchanged)—
Revised total FIRE number—
Super is not affected by the proposed CGT changes — only assets held outside super are subject to the 30% minimum rate. The extra buffer is added to the ETF bucket only.
Tax rates: 2025–26 Australian individual rates (0%, 16%, 30%, 37%, 45%) + 2% Medicare levy. Current rules: 50% CGT discount on assets held 12+ months. New rules (proposed 1 July 2027): CPI indexation of cost base; 30% minimum effective tax on net gain. Accumulation projection: uses real return rate (nominal return minus inflation) since targets are in today's dollars. Super applies 15% contributions tax on new contributions. Proposed legislation — not yet passed Parliament. Not financial or tax advice.
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