Mortgages & Money2 min check

Capital Gains Tax Calculator

Quick CGT estimate based on your gain, asset type and income tax band. Uses the £3,000 annual exempt amount for 2026/27.

Short answer

Capital Gains Tax applies on profits above the £3,000 annual exempt amount in 2026/27. Individuals generally pay 18% within the unused basic-rate band and 24% above it. Business Asset Disposal Relief is 18% on qualifying disposals from 6 April 2026.

Step 1 of 20%

Calculation method, coverage and version

Inputs used: Total chargeable gain in the tax year, Asset type, Income tax band.
Calculation approach: The calculator applies the rules and assumptions described in “How it works” to the values you enter. Rounding can cause small differences from an official or provider calculation.
Coverage: Mortgages & Money. UK nations, tax treatment, local rules and provider criteria can differ; check the official sources shown below before acting.
Content version: No page-specific review date is currently published. Treat the result as indicative and verify current rules independently.

Not included unless explicitly requested: personal circumstances not entered, provider discretion, future rule changes, professional fees and case-specific exceptions. Read the full calculator methodology.

Primary sources and official verification

Use these official sources to verify current rules before acting. Coverage and dates can differ across England, Scotland, Wales and Northern Ireland.

See the sitewide source policy.

How it works

Gain = sale price − purchase price − allowable costs (legal fees, improvements, stamp duty paid). Subtract the £3,000 annual exempt amount, then tax the remainder at 18% or 24% depending on whether it falls into your basic-rate or higher-rate income band.

Worked example

BTL sold for £280k, bought for £200k, £8k costs → £72k gain. Less £3k allowance = £69k taxable. Higher-rate taxpayer: 24% × £69,000 = £16,560 CGT due.

Who should use this

•Buy-to-let landlords selling a property
•Investors selling shares outside an ISA
•Anyone selling a second home or holiday let

Common mistakes

×Forgetting the annual allowance dropped from £12,300 to £3,000
×Missing the 60-day reporting deadline for residential property gains
×Forgetting to deduct purchase costs and improvements
×Using old 28% / 18% residential rates (changed Oct 2024)

Frequently asked questions

When do I pay CGT on a property?▾

Within 60 days of completion via a CGT on UK Property account. Other assets are reported via Self Assessment.

Do I pay CGT on my main home?▾

Usually no — Private Residence Relief covers your main home, though periods of letting or absence can reduce relief.

Are ISAs CGT-free?▾

Yes — gains inside Stocks & Shares ISAs are completely free of CGT.

Related calculators

Income Tax →Dividend Tax →ISA Calculator →BTL Costs →