UK Capital Gains Tax Calculator
When you sell shares, crypto, or a second property for a profit, the gain is usually taxable. This calculator applies the £3,000 annual exempt amount and the 18%/24% 2026/27 rates to estimate your bill.
How to use this calculator
- Enter your capital gain (sale price − cost).
- Enter your taxable income this year.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
You can make £3,000 of gains each tax year tax-free (the annual exempt amount). Above that, gains are taxed at 18% up to the point where your income fills the basic-rate band (£12,570 to £50,270), and 24% on anything above — the same rates apply to shares, crypto, and residential property in 2026/27. Your taxable income matters because it uses up part of the basic-rate band before your gains do. Worked example: a £15,000 gain with £25,000 of taxable income leaves £25,270 of unused basic-rate band, so £12,000 of the gain is taxed at 18% and nothing at 24% — £2,160 total.
Frequently asked questions
What are the capital gains tax rates in 2026/27?
18% for gains within your remaining basic-rate band and 24% above it, for all assets — shares, crypto, and residential property included. This follows the April 2025 alignment of the old 10%/20% rates into the unified 18%/24% structure. The annual exempt amount is £3,000.
Do I pay CGT when I sell my main home?
Usually not. Your main home is covered by Private Residence Relief, so gains on selling it are tax-free. A second home, buy-to-let property, or land does not qualify, and you must report and pay any CGT on residential property within 60 days of completion.
How can I reduce capital gains tax?
Use the £3,000 allowance every year, offset losses against gains, contribute to ISAs (gains inside an ISA are tax-free), and time disposals so the gain lands in a low-income year when more of your basic-rate band is unused. Business Asset Disposal Relief taxes qualifying business disposals at 14% in 2025/26.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect the current tax year and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: GOV.UK income tax rates · National Insurance · Stamp Duty Land Tax.