RaizReport is an app designed to help Raiz Invest users calculate if they have any available capital gains discounts generated by their buy and sell transactions. It does this by organising your transaction data using the First In First Out (FIFO) method and applying relevant tax rules automatically.

No, this app is provided by a third-party and is not in any way affiliated with, endorsed by, or associated with Raiz Invest Australia Limited.

No. This app is designed to help with basic CGT calculations. You should always consult a registered tax agent or accountant for official tax advice.

Follow this step-by-step workflow to generate accurate CGT reports for your Raiz portfolios:

1. 1️⃣ Raiz Annual Tax Statements

   Raiz issues Annual Tax Statements around the third week of July each year.

2. 2️⃣ Download Annual Tax Statements (PDF)
   • Main Raiz Account: Open the Raiz Invest app → Settings → My Settings → Statements → Tax Reports → select financial year → PDF report emailed to you.
   • Raiz Jars (active or closed): Open Raiz app → Invest → My Jars → Manage Jar → Statements → Tax Reports → select financial year → PDF report emailed to you.
   • Raiz Kids (active or closed): Open Raiz app → Invest → scroll to Raiz Kids Balance → View All → Manage Account → Statements → Tax Reports→ select financial year → PDF report emailed to you.
3. 3️⃣ Download "All Trades to Date" CSVs
   • Follow the same menu flows as above, but click “Send CSV of all trades to date”.
   • Important: Include all portfolios, active or closed. Even if an account has been closed for years, any unused capital losses can reduce tax on gains in other portfolios.
4. 4️⃣ Upload CSVs to RaizReport.com
   • Go to Manage Portfolio.
   • Upload CSV for main Raiz account.
   • Add any additional Jars or Kids CSVs.
   • Click Done when finished uploading all CSVs.
5. 5️⃣ Statement Cross Check
   • Confirm the 18H numbers match the Raiz Annual Tax Statement for each portfolio.
   • To adjust a number:
     1. Uncheck the tick box for the row.
     2. Enter the correct amount (if in brackets on the statement, include brackets).
     3. Re-tick the box.
   • Click Confirm once all numbers are verified.
6. 6️⃣ Generate Your Report
   • Select the Financial Year or All Financial Years from the dropdown.
   • Select any optional reports you require.
   • Click Generate Report to create:
     • Annual CGT Summary
     • CGT Schedule
     • Consolidated CGT Worksheet (portfolio-level contributions per year)

📊 Workflow overview: CSV files → FIFO matching → current & carried-forward losses applied → CGT discount applied → consolidation combines portfolio-level totals for a complete tax view.

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It’s recommended to generate your CGT report annually for each financial year prior to completing that year’s tax return.

Yes, the report options allow you to select an Annual CGT Summary report for a single financial year or all financial years. The CGT Schedule will always show all financial years, as it shows how to apply any carry-forward losses from previous periods.

The app processes one main Raiz portfolio CSV file at a time. You can generate reports for multiple Raiz accounts by uploading each account’s CSV separately. If you have more than one account that would be reported on the same tax return, the figures from each report will need to be combined manually to calculate your overall capital gain or loss.

If you have opened a Raiz Jar or Raiz Kids account under your main portfolio, you can add the CSVs for those into your report, and the tool will automatically produce a consolidated report to help at tax time.

Yes, the app is responsive and works on both desktop and mobile browsers.

Your transaction data is processed only within your browser during report generation. No data is stored or transmitted to any servers.

Yes, all processing is done locally in your browser. No data is sent to, or stored on, external servers.

Yes, you need an internet connection to load the app, but your data is processed locally in the browser without uploading any data to a server.

The Raiz Invest app provides your transaction data in CSV format, which can be used directly in this app without any modifications.

To access your transaction data for your main Raiz Invest account:

• Open the Raiz app on your mobile device.
• Go to Settings → My Settings.
• Select Statements.
• Click on "Send CSV of all trades to date" near the bottom of the screen.

To access your transaction data for a Raiz Jar account:

• Open the Raiz app on your mobile device.
• From the main screen go Invest.
• Select My Jars.
• Select Manage Jar on the account you wish to get a statement for.
• Select Statements. It’s at the end of the options row.
• Click on "Send CSV of all trades to date" near the bottom of the screen.

To access your transaction data for a Raiz Kids account:

• Open the Raiz app on your mobile device.
• From the main screen go Invest.
• Scroll down until you see the Raiz Kids Balance section.
• Select View All.
• Select Manage Account on the account you wish to get a statement for.
• Select Statements.
• Click on "Send CSV of all trades to date" near the bottom of the screen.

Remember: Download statements for all portfolios, active or closed. Even if an account has been closed for years, any unused capital losses from that account can reduce tax on gains in other portfolios. Missing a portfolio could result in inaccurate CGT calculations and potentially missed tax offsets.

Tip: While in the statements section of Jar and Kids accounts, also download your Tax Report statement for each account.

If you attempt to upload a CSV which is not in the correct format, the app may indicate that the file "does not appear to be a CSV of 'All Trades to Date'".

To resolve, ensure you have not modified the CSV file downloaded from Raiz, as spreadsheet apps can inadvertently change formatting. If issues persist, request a fresh CSV from the Raiz app and try again.

Your Raiz Annual Tax Statement is typically available in the third week of July, shortly after the end of the Australian financial year (30 June). Raiz releases the statement once all transactions for the financial year are finalised.

• It covers all investment activity, including distributions, sales, and withdrawals for the year.
• You can download it from the Raiz app under the Tax Statements section.
• It provides the necessary information for completing your tax return.

Tip: Ensure your email details are up to date in the Raiz app before the end of the financial year to receive your statement promptly.

1. Open the Raiz app on your mobile device.
2. Go to Settings → My Settings.
3. Select Statements → Tax Reports.
4. Choose the relevant financial year.
5. The statement will be automatically sent to your registered email address in PDF format.

Tip: If you have Jar or Kids accounts, remember to download tax statements for each account from their respective statement sections.

The 18H – Total Current Year Capital Gains shows the total capital gains from selling investments during the financial year, before any deductions such as the CGT discount.

• Negative amounts indicate a capital loss and are shown in brackets on the Raiz Annual Statement.
• Raiz automatically calculates this whenever you withdraw funds, your account is rebalanced, or account fees are deducted.

If the 18H amount is in brackets, it represents a capital loss rather than a gain. This can happen due to:

• Withdrawals: Selling units for less than their purchase price.
• Rebalancing: Raiz automatically adjusting your account to stay within target investment allocations.
• Account fees: Fees deducted from your investment balance.

Capital losses can be offset against other capital gains in the same financial year or carried forward to offset future gains.

CGT events are triggered whenever you sell investments, including:

• Withdrawals
• Rebalances
• Account fee events

Raiz calculates the total capital gains at 18H but does not calculate any CGT discount.

Raiz cannot determine whether your gains qualify for the 50% CGT discount because:

• They do not know if you are an Australian resident for taxation purposes.
• The discount only applies to assets held for more than 12 months.
• Micro-investing involves many small transactions with varying holding periods.

As a result, the Net Capital Gain (18A) will be blank, and you must calculate any eligible CGT discount yourself.

Raiz cannot automatically calculate your net capital gain because it does not know:

• Any CGT discount you may be eligible to claim.
• Any capital losses carried forward from previous years.

Calculating CGT discounts for micro-investing apps like Raiz is time-consuming because:

• Investors make numerous small transactions daily, weekly, or monthly.
• Each asset’s holding period must be tracked to determine eligibility for the 50% discount.
• A single withdrawal can trigger sales across multiple buy transactions at different prices and holding periods.

This website tool can help simplify the calculation, track capital losses, and apply CGT discounts for you.

Raiz provides all necessary information in your Annual Tax Statement but does not pre-fill your tax return. This allows you to review your details and ensure accuracy when entering data into the ATO’s myTax system.

• The ATO requires manual entry in your personal myTax account.
• Your overall tax position may include other income, deductions, or offsets that Raiz cannot access.
• CGT discounts and carry-forward losses are unique to each user and need to be applied by you.

Note: If unsure how to enter these amounts into myTax, consult a tax professional or contact the ATO for guidance.

The app assumes you are eligible for a Capital Gains Tax (CGT) discount on the basis that you are an individual and an Australian resident for tax purposes.

According to the ATO, the requirement for the CGT discount is that you must own the asset for at least 12 months, excluding both the day of acquisition and the day of the CGT event (sale).

The app automatically applies the 50% CGT discount on eligible long-term capital gains according to these ATO rules.

The calculation order follows ATO rules:

• Apply current-year capital losses first (reduces gains before discounts).
• Apply carried-forward capital losses next (from previous years, before discounts).
• Apply the CGT discount (if applicable) — only after all losses are applied.
• The remaining amount is the Net Capital Gain (18A) for the year.
• If losses exceed gains, the excess is carried forward (18V).

Yes, the app generates an easy-to-read, styled PDF report which you can file for your records or share with your accountant.

The consolidated report includes:

• Consolidated Annual CGT Summary: One row per financial year summarising net gains and losses across all portfolios.
• Consolidated CGT Schedule: One row per financial year showing the consolidated tax position (totals only).
• Consolidated CGT Worksheet: Shows each portfolio's contribution per financial year plus a totals row, so you can trace back consolidated totals to individual portfolios.

A stock split occurs when a company increases its number of shares by issuing more to existing shareholders (forward split), usually to reduce the share price.

It is expressed as a ratio, like 2:1 or 3:1:

• In a 2:1 split, you get 2 shares for every 1 you own.
• Example: if you held 100 shares at $50 each, after a 2:1 split you would have 200 shares at $25 each.
• Total value remains the same ($5,000 in this example).

A reverse stock split consolidates shares to reduce the total number, increasing the share price proportionally. Example: 1:2 — you receive 1 share for every 2 owned, valued as the 2 previous shares combined.

The app supports all currently known stock splits, ensuring FIFO matching is maintained and cost bases are adjusted correctly for CGT calculations.

If your "All Trades to Date" CSV contains a stock split unknown to the app, you will be notified when loading your file. Report generation will pause, and you will be prompted to contact support. Once verified, the app will be updated, and you can re-run your report.

Stock splits are applied per portfolio, ensuring the integrity of each portfolio's FIFO matching before any consolidation occurs.

Yes. The app supports main Raiz Invest portfolios as well as Jars and Kids portfolios.

Important: You must include CSVs for all portfolios (including closed Jars or Kids portfolios) to ensure consolidated totals are accurate. Missing portfolios can result in incorrect CGT calculations.

The 18H – Total Current Year Capital Gains figure on your Raiz Annual Tax Statement may differ from what is shown during the Statement Cross Check process because it can include amounts that are not directly tied to your own buy or sell transactions. These amounts are called Unclassified Distributions or Unclassified Capital Gains Adjustments.

Unclassified distributions can arise from:

• Distributions from underlying managed funds or trusts within ETFs.
• Minor rounding or floating-point differences in the calculations.

For tax purposes, these unclassified amounts are handled conservatively:

• Positive amounts → treated as short-term capital gains.
• Negative amounts → treated as additional capital losses.

This is also why the Statement Cross Check process is important: you cannot rely on the CSV file alone to identify all capital gains that may be applicable for your tax reporting.

Example 1 – Positive Unclassified Distribution:

Example 2 – Negative Unclassified Distribution:

In both examples:

• Capital losses are applied first against short-term gains, including any unclassified distribution.
• CGT discounts are applied only to identified long-term gains after losses are applied.

Key Takeaway: The 18H figure may include items beyond your direct buy/sell transactions. These unclassified amounts are handled in a way that ensures tax compliance and the most conservative treatment possible. This is also why the Statement Cross Check process exists — to ensure all applicable capital gains are correctly identified for reporting, beyond what the CSV alone can show.

Consolidation combines multiple Raiz portfolios (main, Jar, or Kids accounts) into a single tax view for each financial year while keeping each portfolio’s transactions separate.

• Each portfolio is treated independently for tax purposes: FIFO matching, short-term and long-term gains, and capital losses are calculated separately.
• Underlying buy/sell transactions from different portfolios are not combined.
• Consolidation sums the calculated tax results from each portfolio—such as 18H, 18A, and carry-forward losses—into a single view per financial year.
• Carry-forward losses from one portfolio can offset gains in another portfolio.

The consolidated report includes:

• Consolidated Annual CGT Summary: totals for the financial year.
• Consolidated CGT Schedule: combined portfolio-level gains, losses, and carry-forwards.
• Consolidated CGT Worksheet: breakdown per portfolio, showing how each contributes to the consolidated totals.

This gives you a complete view of your tax position across all Raiz accounts without merging the underlying investment transactions.