UK · Tax

UK Capital Gains Tax calculator.

Estimate CGT for gains made on or after 6 April 2026 on shares, funds or a second property, using the 2026-27 allowance and rates.

Rates verified 30 September 2026 against GOV.UK (2026 to 2027 tax year). Individuals only; the main-home exemption is not modelled.

Disposal details

Estimate

Enter your disposal to see estimated CGT.

How it is worked out

Gain = proceeds − purchase cost − allowable costs. Subtract the £3,000 annual exempt amount for 2026-27. Add the remainder to your taxable income: the part that falls within the £37,700 basic-rate band is taxed at 18%, anything above it at 24%. Higher and additional rate taxpayers pay 24% on the whole taxable gain. With Business Asset Disposal Relief the rate is 18%.

Worked example

Taxable income £20,000, gain £12,600. After the £3,000 allowance £9,600 is taxable; £20,000 + £9,600 = £29,600 is inside £37,700, so tax is 18% × £9,600 = £1,728. With a £52,600 gain, £49,600 is taxable: £17,700 at 18% (£3,186) plus £31,900 at 24% (£7,656) = £10,842. Both match GOV.UK’s published examples.

FAQ

Does this cover my main home?

No. You do not usually pay CGT when you sell your home. This tool suits second properties, shares and funds.

Are shares and property taxed at the same rate?

For gains from 6 April 2026, GOV.UK lists 18% and 24% rates without a separate property rate, so this calculator uses the same rates for both.

What is not included?

Capital losses, share pooling and matching rules, reliefs other than BADR, trusts, non-residents and Scottish income tax bands. For those, use HMRC’s tools or an adviser.

Sources: GOV.UK Capital Gains Tax rates GOV.UK Income Tax rates and bands. Estimate only, not tax advice.