Question 1

How are CGT calculations performed?

Accepted Answer

We use the FIFO (First In, First Out) method as required by the ATO for CGT calculations. When you sell shares, the system automatically matches the sale against your oldest purchases first. For each parcel sold, we calculate the cost base (purchase price plus brokerage), the sale proceeds (sale price minus brokerage), and determine your capital gain or loss. The system tracks holding periods precisely to apply the appropriate discount rate.

Question 2

Is my data secure?

Accepted Answer

Short answer: your portfolio data is stored locally on your device by default — we never see it unless you choose cloud sync. We never sell your data, and we never store your credit card details (Stripe handles payments). Here's the full picture: Your data security is our priority. By default, all your portfolio data is stored locally in your browser using localStorage, meaning it never leaves your device. For users who want cloud backup and cross-device sync, we offer optional cloud database integration with encryption at rest and in transit. AI Assistant conversations are processed by our AI service provider under enterprise data protection terms — they do not use your data for model training. Payment processing is handled entirely by Stripe; we never see or store your card details. We never share or sell your financial information.

Question 3

How do I import my broker transactions?

Accepted Answer

Our smart CSV import wizard supports CommSec, Stake, SelfWealth, and NABtrade. Simply export your transaction history as a CSV from your broker, upload it to SavvyPortfolio, and our wizard automatically detects the broker format and parses buys, sells, and dividends. You can preview all transactions before confirming the import.

Question 4

What's the 50% CGT discount?

Accepted Answer

The 50% CGT discount is an Australian tax benefit for assets held longer than 12 months. When you sell shares that you've owned for over a year, you only pay tax on half of the capital gain. For example, if you make a $10,000 profit on shares held for 13 months, you only include $5,000 in your taxable income. Our system automatically tracks holding periods and applies this discount to eligible gains, clearly showing both the gross and discounted amounts in your reports.

Question 5

How are franking credits tracked?

Accepted Answer

When you record a dividend, you enter both the franked and unfranked portions. The system automatically calculates franking credits based on the corporate tax rate (currently 30% for most companies). We track these credits separately and include them in your annual tax summary. Franking credits reduce your tax liability or can result in a refund if your marginal tax rate is lower than the corporate rate. All dividend information flows through to your CGT reports.

Question 6

Can I use this for SMSF?

Accepted Answer

Absolutely! Our multi-portfolio feature is perfect for managing SMSF investments alongside personal holdings. You can create separate portfolios for your personal investments, SMSF, family trust, or investment club. Each portfolio maintains its own transaction history, CGT calculations, and reporting. This makes it easy to generate separate tax reports for each entity while having a consolidated view of all your investments in one place.

Question 7

What can I ask the AI assistant?

Accepted Answer

Ask anything in plain English and get visual answers. The AI generates interactive charts for price history, portfolio performance vs ASX 200, CGT summaries, and more - not just text responses.

Question 8

How does stock split detection work?

Accepted Answer

We detect splits automatically and present full details in your Action Hub. Review affected transactions and apply with one click when ready. You stay in control.

Question 9

What happens when a stock is delisted?

Accepted Answer

We detect unavailable stocks and AI researches why - delisting date, final price, reason. Review the details and create the CGT event when ready.

Question 10

Do I still need an accountant?

Accepted Answer

SavvyPortfolio is a portfolio tracking and CGT calculation tool, not a licensed tax agent. We calculate your capital gains using the ATO-required FIFO method and generate reports that make your accountant's job faster (and potentially cheaper). Many users hand their SavvyPortfolio CGT summary directly to their accountant. For simple tax situations, you may be able to use the report to complete your own return via myTax. Always consult a qualified tax professional for personalised advice.

Question 11

How accurate are the CGT calculations?

Accepted Answer

Our calculations follow the ATO's prescribed FIFO (First In, First Out) method exactly. We track cost bases including brokerage, apply the 50% CGT discount automatically for holdings over 12 months, and calculate franking credits. The accuracy depends on the completeness of your imported transaction data — if all your trades are entered correctly, the calculations match what a qualified accountant would produce using the same method. We recommend reviewing your reports with your tax professional before lodging.

Question 12

Can I cancel my Pro subscription anytime?

Accepted Answer

Yes. Cancel anytime from your account settings. You keep Pro access until the end of your billing period, then your account reverts to the Free plan. All your data is preserved — you won't lose any transactions, reports, or portfolio history. If you cancel within 30 days of subscribing, you're eligible for a full refund, no questions asked.

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