UK Capital Gains Tax Calculator
Estimate your Capital Gains Tax (CGT) for the 2025/26 tax year based on sale value, costs, and tax rate band.
For illustration only — not official financial advice.
Ready
Gain Before Tax £0.00
Taxable Gain £0.00
Capital Gains Tax Payable £0.00
| Detail | Value |
|---|---|
| Sale Price | £0.00 |
| Purchase Price | £0.00 |
| Allowable Costs | £0.00 |
| Annual Allowance Used | £0.00 |
| Final Tax Payable | £0.00 |
Capital Gains Tax Rates 2025–26
Annual Exempt Amount (Tax-Free Allowance)
| Annual CGT Allowance | £3,000 (2025–26) |
|---|
CGT Rates for Shares, Crypto & Investments
| Taxpayer Type | CGT Rate |
|---|---|
| Basic Rate Taxpayer | 10% |
| Higher / Additional Rate | 20% |
CGT Rates on Residential Property
| Taxpayer Type | CGT Rate (Property) |
|---|---|
| Basic Rate Taxpayer | 18% |
| Higher / Additional Rate | 24% |
Main home (private residence) is exempt if it was your only/primary residence for the entire ownership period.
How Capital Gains Tax Works
Capital Gains Tax applies when you sell or dispose of assets that have increased in value. You only pay tax on the profit, not the total sale amount.
- Gain = Sale price – Purchase cost – Allowable expenses.
- Annual exempt amount (£3,000) reduces your taxable gain.
- Different tax rates apply to property vs shares/investments.
- Your Income Tax band determines CGT rate.
- Losses can be used to reduce your gain.
This calculator automatically applies all tax bands, allowances and property surcharges.
Capital Gains Tax Examples
Shares – £10,000 Gain
- Tax-free allowance: £3,000
- Taxable gain: £7,000
- Basic rate: £700 tax
- Higher rate: £1,400 tax
Crypto – £20,000 Gain
- Taxable gain after allowance: £17,000
- Basic rate: £1,700 tax
- Higher rate: £3,400 tax
Second Home – £50,000 Gain
- Taxable gain after allowance: £47,000
- Basic rate: £8,460 tax
- Higher rate: £11,280 tax
Frequently Asked Questions
Usually no — private residence relief applies if it was your only or main home throughout ownership.
Yes — shares and investments use 10% / 20% while residential property uses 18% / 24%.
This UK Capital Gains Tax Calculator uses the official HMRC 2025–26 CGT rates for property, shares, crypto and other investments.