Power Calculators

📊 UK Capital Gains Tax Calculator 2026/27 (Shares & Property)

See how much tax you will pay when you sell something that has gone up in value.

By the Power Calculators team Updated

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Formula at a glance

UK Capital Gains Tax Calculator: Taxable gain — sale − purchase − costs − losses − £3,000. Example: Buy-to-let sold for £250,000 (bought £200,000) → Capital gains tax: £9,463.80
How the UK Capital Gains Tax Calculator works: Taxable gain — sale − purchase − costs − losses − £3,000

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📘 About the UK Capital Gains Tax Calculator 2026/27

Capital gains tax is charged on the profit when you sell an asset. Since 30 October 2024 the rates are 18% on gains that fit within your unused basic-rate band and 24% above it, for property and for other assets alike. Everyone has a £3,000 tax-free annual exempt amount.

Losses on other sales can be deducted. Your own main home is usually exempt. Gains on UK residential property must be reported and paid within 60 days of completion; other gains go on your Self Assessment return.

🧮 Formula

Taxable gain
sale − purchase − costs − losses − £3,000
Tax
18% within basic band + 24% above

✏️ Worked examples

Buy-to-let sold for £250,000 (bought £200,000)

You enter
What did you sell?Residential property (not your main home)
Sale price250,000 £
Purchase price200,000 £
Buying and selling costs5,000 £
Your taxable income for the year (salary etc.)40,000 £
Losses to set against the gain0 £
You get
Capital gains tax£9,463.80
Gain£45,000
Annual exempt amount£3,000
Taxable gain£42,000
At 18%£10,270
At 24%£31,730
Effective rate on the gain21.03%
When to payWithin 60 days of completion (UK residential property return)

£9,463.80.

£12,000 gain on shares, £30,000 income

You enter
What did you sell?Shares, funds, crypto or other assets
Or enter the gain directly12,000 £
Your taxable income for the year (salary etc.)30,000 £
Losses to set against the gain0 £
You get
Capital gains tax£1,620.00
Gain£12,000
Annual exempt amount£3,000
Taxable gain£9,000
At 18%£9,000
At 24%£0
Effective rate on the gain13.5%
When to payBy 31 January after the tax year, through Self Assessment

£1,620.00.

🧭 How to use this calculator

What you enter

  • What did you sell?
  • Sale price (£)
  • Purchase price (£)
  • Buying and selling costs (£)
  • Or enter the gain directly (£)
  • Your taxable income for the year (salary etc.) (£)
  • Losses to set against the gain (£)

What you get

  • Capital gains tax
  • Gain
  • Annual exempt amount
  • Taxable gain
  • At 18%
  • At 24%
  • Effective rate on the gain
  • When to pay

❓ Frequently asked questions

What is the capital gains tax rate in 2026/27?

18% within the basic-rate band and 24% above, for residential property and other assets.

What is the capital gains tax allowance?

£3,000 a year for individuals (£1,500 for most trusts). It cannot be carried forward.

Do I pay CGT when I sell my home?

Not usually: Private Residence Relief covers your only or main home. You may pay on part of the gain if it was let or used for business.

How do I avoid capital gains tax legally?

Use your £3,000 allowance each year, hold investments in ISAs and pensions, transfer assets to a spouse to use their allowance and band, and offset losses.