Capital Gains Tax Calculator
Calculate UK Capital Gains Tax on shares, property and business sales — £3,000 exemption, 18%/24% rates based on your income, and Business Asset Disposal Relief for 2025/26 and 2026/27.
Your Disposal
Sale proceeds minus what you paid, plus buying/selling costs and any improvement costs.
Salary, profits, pension and other income before the personal allowance — it determines how much of your gain is taxed at 18% rather than 24%.
Annual exempt amount £3,000; rates 18% / 24% in both 2025/26 and 2026/27. BADR rate: 14% in 2025/26, 18% from 6 April 2026.
Results
Capital Gains Tax
On a £20,000.00 gain in 2026/27
You Keep
Gain after Capital Gains Tax
Effective Rate
Tax as a share of the whole gain
How we got there
Unused basic rate band: £20,270.00 (taxable income £17,430.00 after a £12,570.00 personal allowance).
Estimate only. Not modelled: capital losses (this year's or brought forward), Private Residence Relief, gifts to spouses, Investors' Relief, and gains that push your income over the £100,000 personal allowance taper. Selling your only or main home is usually tax-free.
Guide & Information
Overview
Understanding Capital Gains Tax Calculator is essential for financial planning in United Kingdom. This calculator simplifies complex tax calculations.
💡 Tips
- •Keep all relevant documents organized
- •Calculate regularly to avoid surprises
- •Consider consulting a tax professional for complex situations
Why Use This Capital Gains Tax Calculator
Accurate tax calculation helps you avoid penalties and optimize your financial situation.
United Kingdom Regulations
This calculator follows current United Kingdom regulations and is updated regularly to reflect changes in legislation. All calculations comply with HMRC requirements.
Regulations: Complies with current United Kingdom regulations.
- • Example: Annual income of £50,000
- • Tax calculation includes federal and local rates
- • Deductions may apply based on family situation
Related Calculators
Frequently Asked Questions
How is Capital Gains Tax Calculator calculated in United Kingdom?
The Capital Gains Tax Calculator in United Kingdom is calculated based on current tax regulations. Input your values above to get an accurate calculation based on the latest rates and rules.
When do I need to pay Capital Gains Tax Calculator?
Payment schedules vary based on your specific situation. This calculator helps you determine the amount owed and plan accordingly.
What documents do I need for Capital Gains Tax Calculator?
Typically, you'll need income statements, previous tax returns, and relevant receipts. Use this calculator to estimate your obligation before filing.
Frequently asked questions
What are the Capital Gains Tax rates for 2026/27?
18% on gains that fall within your unused basic rate band and 24% above it — the same two rates apply to shares, crypto, residential property and all other chargeable assets (residential property rates were aligned with the main rates for disposals from 30 October 2024). The first £3,000 of gains each tax year is exempt. Trustees and personal representatives pay a flat 24%.
How do my earnings affect the CGT rate I pay?
Your taxable gain is stacked on top of your taxable income. Take your income after the £12,570 personal allowance: whatever is left of the £37,700 basic rate band is the slice of gain taxed at 18%, and anything above is taxed at 24%. Someone earning £30,000 has £20,270 of band left, so a £17,000 taxable gain is all taxed at 18% — £3,060.
What is Business Asset Disposal Relief and what rate applies?
BADR reduces the CGT rate when you sell all or part of a business you have owned for at least two years, or shares in your personal company (5%+ of shares and voting rights while an employee or office holder). Qualifying gains are taxed at 14% for disposals between 6 April 2025 and 5 April 2026, and 18% for disposals from 6 April 2026 (previously 10%). There is a £1 million lifetime limit on relieved gains.
When do I have to report and pay CGT on a property sale?
Gains on UK residential property that is not fully covered by Private Residence Relief must be reported — and the tax paid on account — within 60 days of completion, using HMRC’s online property account. Missing the deadline brings penalties and interest. Other gains are reported through Self Assessment, with tax due by 31 January after the end of the tax year.
Do I pay Capital Gains Tax when I sell my home?
Usually not. Private Residence Relief normally makes the sale of your only or main home completely free of CGT. Tax can arise if the property was let out, used for business, has extensive grounds (over half a hectare), or was not your main residence for the whole time you owned it — in which case part of the gain becomes taxable and the 60-day reporting rule applies.
How can I reduce a Capital Gains Tax bill legally?
Use the £3,000 annual exempt amount every year (it cannot be carried forward), offset current and brought-forward losses, transfer assets to your spouse or civil partner before a sale so both exemptions and bands are used, time disposals across tax years, and use ISAs and pensions — assets inside an ISA are entirely free of Capital Gains Tax.