Capital Gains Tax Calculator 2026
Instantly estimate your UK Capital Gains Tax liability. A free tool for investors, landlords, and sellers to calculate CGT on property, shares, and other assets.
CGT Liability Projection
Enter your asset details and income to calculate your tax due
CGT rates differ depending on whether the asset is a residential property or other assets.
The total amount you sold the asset for.
What you originally paid for the asset, including Stamp Duty.
Improvements, legal fees, or other costs that can be deducted from your gain.
Your total taxable income after your Personal Allowance (used to determine your CGT tax band).
The tax-free allowance for capital gains (£3,000 for individuals in 2026).
Your Capital Gains Tax Estimate
Gain breakdown and HMRC tax liability projection
Enter your asset and income details above and click Calculate CGT to reveal your tax liability projection.
UK Capital Gains Tax Rates 2026
Quickly reference the standard Capital Gains Tax rates applied in the UK for the 2026 tax year, depending on your income tax band and the type of asset sold.
| Asset Type | Basic Rate Taxpayer | Higher / Additional Rate |
|---|---|---|
| Residential Property | 18% | 24% |
| Other Assets (Shares, Crypto) | 10% | 20% |
| Annual Exempt Amount (2026) | £3,000 (Individuals) / £1,500 (Trusts) | |
| Basic Rate Income Limit | £37,700 (After Personal Allowance) | |
Capital Gains Tax FAQ
Everything you need to know about calculating Capital Gains Tax in the UK, understanding HMRC rules, and navigating your annual allowances.
Capital Gains Tax is a tax on the profit when you sell something – an asset – that’s increased in value. In the UK, it applies to assets like property (that isn’t your main home), shares, cryptocurrency, and valuable possessions. You only pay tax on the gain (the profit), not the total amount you sell it for.
For the 2026 tax year, the CGT rates depend on your income tax band and the type of asset. For residential property, the rates are 18% for basic rate taxpayers and 24% for higher or additional rate taxpayers. For other assets like shares and cryptocurrency, the rates are 10% for basic rate taxpayers and 20% for higher or additional rate taxpayers.
The Annual Exempt Amount (AEA) is the amount of capital gains you can make in a tax year before you have to pay tax. For the 2025/26 and 2026/27 tax years, the AEA is frozen at £3,000 for individuals and £1,500 for trusts.
To calculate your capital gain, subtract the original purchase price (what you paid for the asset) from the sale price (what you sold it for). You can also deduct any allowable costs, such as legal fees, improvement costs, and stamp duty, to reduce your total gain.
Generally, no. You usually do not pay Capital Gains Tax when you sell your main home due to Private Residence Relief (PRR). However, if you have used part of your home exclusively for business, let it out to tenants, or if the grounds are exceptionally large, you may have to pay some CGT.
If you sell a UK residential property and owe Capital Gains Tax, you must report and pay the tax within 60 days of the completion date. For other assets like shares or cryptocurrency, you usually report and pay the tax via your Self Assessment tax return by the 31st of January following the end of the tax year.