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

Purchase price

What you paid for it

Sale price

What you sold it for

Allowable costs

Legal and agent fees, stamp duty, capital improvements (not maintenance)

Your tax position

Annual taxable income

Your income before this gain (salary etc.). Decides your 18% vs 24% split.

Allowance already used

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

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.

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 rate was scrapped in April 2024. Since then all assets, including property, are 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.

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.

Related tools

Take-Home Pay Calculator (UK)

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Salary Sacrifice Calculator (UK)

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Net Worth Calculator

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Compound Interest Calculator

See what your net proceeds could earn if reinvested.

50/30/20 Budget Calculator

Plan what to do with the money after tax.

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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.