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Tax calculator

Capital Gains Tax Calculator

Work out what you'll owe on a sale, before HMRC does. Enter what you bought and sold an asset for, and this free calculator shows your Capital Gains Tax for 2026-27, split across the 18% and 24% rates.

Free, no signup2026-27 ratesVerify at gov.uk
What you sold
What you paid for it
£
What you sold it for
£
Legal and agent fees, stamp duty, capital improvements (not maintenance)
£
Your tax position
Your income before this gain (salary etc.). Decides your 18% vs 24% split.
£
Other gains you've already made this tax year (leave 0 if none)
£
Capital Gains Tax due
£12,584
An effective 22.9% on your £55,000 taxable gain.
£10,270 at 18%£44,730 at 24%
Total gain£58,000
Tax-free allowance− £3,000
Taxable gain£55,000
Capital Gains Tax£12,584
Left after taxSale price less costs and CGT£145,416
2026-27 rates (18% / 24%), £3,000 allowance. CGT bands are the same across the UK, including Scotland. Estimate only, general information, not tax advice.
Simon Chadwick
Simon Chadwick
Founder, Orbit Money
Method: gov.uk CGT rates & allowancesUpdated: 13 July 2026Sources: gov.uk capital gains tax, gov.uk rates

How Capital Gains Tax is worked out

Capital Gains Tax is charged on the profit when you sell an asset, not the total you receive. Start with the sale price, take off what you paid and your allowable costs (legal and agent fees, stamp duty, capital improvements), and that’s your gain. The first £3,000 each year is tax-free, and you pay tax only on what’s left.

The rate isn’t a single number. Your taxable gain is added on top of your income, and the part that fits inside your remaining basic-rate band is taxed at 18%, while anything above is taxed at 24%. That’s why two people with the same gain can owe very different amounts, and why this calculator shows the 18% and 24% split rather than hiding it.

What changed in 2024

On 30 October 2024 the main CGT rates rose from 10% and 20% to 18% and 24%, bringing most assets into line with residential property. The old 28% residential higher rate was already gone. So for 2025-26 and 2026-27 there’s one simple structure: 18% or 24% on everything, depending on your income.

Capital gains tax on property

Property is the most common CGT bill people face, because your main home is normally covered by Private Residence Relief and pays nothing. CGT bites on second homes, buy-to-lets and inherited propertyyou later sell. Work out the gain as the sale price less what you paid and your allowable costs, take off the £3,000 allowance, then apply 18% on the part inside your basic-rate band and 24%above it. For UK residential property you must report and pay within 60 days of completion.

Capital gains tax on shares

Shares, funds and other investments use the same 18% and 24% rates and the same £3,000 allowance as property. The gain is the sale value less what you paid, and where you bought the same shares at different times HMRC pools them into a single average cost. Shares held inside an ISA or pensionare exempt, so many people hold investments there to keep gains out of CGT. Losses on other disposals can be set against your gains in the same year to lower the bill.

Frequently asked questions

How much is Capital Gains Tax in the UK?
For 2026-27 you pay 18% on gains that fall within your remaining basic-rate income tax band, and 24% on anything above it. The first £3,000 of gains each year is tax-free.
Do I pay 18% or 24% (not 28%)?
The old 28% residential higher rate was cut to 24% in April 2024, then all other assets were brought up to match at 18% or 24% in the 30 October 2024 Budget. So for 2025-26 and 2026-27 every asset, including property, uses 18% or 24%. Which one applies depends on whether the gain sits inside your basic-rate band once it's added to your income.
Do I pay Capital Gains Tax when I sell my home?
Usually no. Private Residence Relief means your main home is normally exempt. CGT applies to second homes, buy-to-lets and property that hasn't always been your only home.
What is Private Residence Relief?
Private Residence Relief exempts the gain on the home you live in as your only or main residence, which is why most people pay no CGT when they sell their own home. It covers the years you lived there plus the final 9 months of ownership, even if you had moved out. If the property was ever let or used for business, or you owned it before it became your main home, part of the gain can still fall inside the 18% and 24% rates after the £3,000 allowance.
How does CGT work on a jointly-owned property?
Each owner is taxed only on their share of the gain and gets their own £3,000 annual allowance and their own 18% or 24% rate based on their income. For a property owned equally by two people, you split the gain in half, take off each person's £3,000, then apply each person's rate separately. Transfers between spouses or civil partners are tax-free, so couples often move a share before selling to use both allowances and both basic-rate bands.
How can I reduce my Capital Gains Tax?
Use your £3,000 annual allowance, offset losses from other disposals, transfer assets to a spouse or civil partner before selling (transfers between them are tax-free), and hold shares in an ISA where gains are exempt. This is general information, not advice.
When do I report and pay CGT?
For UK residential property, within 60 days of completion via a Capital Gains Tax on UK property account. For other assets, through Self Assessment by 31 January after the end of the tax year.

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Simon Chadwick
About the author
Simon Chadwick
Founder of Orbit Money

Simon is the founder of Orbit Money, a tool that helps people track subscriptions and recurring spend. He builds Orbit's free money calculators and writes about personal finance for UK and Australian readers.

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This tool is a guide, not tax advice. Capital Gains Tax bands are the same across the UK, including Scotland.