Capital Gains Tax calculator
Estimate the CGT when you sell property, shares or other assets in 2025/26, after the £3,000 annual exempt amount. England.
Your estimate
Estimated Capital Gains Tax
£0
- Taxable gain (after £3,000)
- £0
- Taxed at 18%
- £0
- Taxed at 24%
- £0
Uses 2025/26 main CGT rates (18% / 24%) and the £3,000 annual exempt amount. It does not include reliefs such as Private Residence Relief or Business Asset Disposal Relief — claiming these is where we save you the most.
In plain English
The terms, explained
New to this? Here’s what the words on this page actually mean.
- Capital Gains Tax
- Tax on the profit when you sell something that’s gone up in value, like a property or shares.
- Gain
- The profit — what you sold it for, minus what you paid and your costs (legal fees, improvements).
- Annual exempt amount
- The first £3,000 of gains each year is tax-free.
- Basic vs higher rate
- Gains are taxed at 18% within your basic-rate band and 24% above it — your income sets which applies.
FAQ
Capital Gains Tax calculator — your questions answered
How is Capital Gains Tax calculated?
Work out your gain (what you sold for, minus what you paid and your costs), deduct the £3,000 annual exempt amount, then tax the rest at 18% within your basic-rate band and 24% above it. Your income decides how much falls into each band.
How much CGT will I pay on a £50,000 gain?
After the £3,000 allowance, £47,000 is taxable. A higher-rate taxpayer would pay around £11,280 at 24%; you’ll pay less if part of the gain falls in your basic-rate band. Enter your income and gain above for a tailored estimate.
What is the CGT allowance for 2025/26?
The annual exempt amount is £3,000 — the first £3,000 of gains each year is tax-free. It can’t be carried forward, so spreading disposals across tax years can use two years’ allowances.
How can I reduce Capital Gains Tax?
Use your annual allowance, offset capital losses, claim reliefs such as Private Residence Relief or Business Asset Disposal Relief, and consider transferring assets to a spouse to use both allowances. We make sure every relief you’re entitled to is claimed.
Do I pay CGT when I sell my home?
Usually not — your main home is normally covered by Private Residence Relief. Second homes, buy-to-lets and properties you’ve let out can be taxable, which is where most landlord CGT bills arise.
When do I report and pay CGT?
For UK residential property you must report and pay within 60 days of completion. Other gains (like shares) go on your Self Assessment by 31 January. We handle the 60-day return for you.
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