Capital Gains Tax Calculator

🇬🇧 Free Tool · 2026/27 Tax Year
Capital Gains Tax Calculator: what you'll pay when you sell in 2026/27
Selling property, shares, a business, or any other asset? Enter the numbers and see your CGT at the 2026/27 rates — 18% and 24% — with the £3,000 annual exemption and your income band applied correctly.
Total gain–
Annual exempt amount used–
Taxable gain–

2026/27 Capital Gains Tax rates

Asset Basic-rate taxpayer Higher/additional-rate
Shares, funds, crypto, most assets 18% 24%
Residential property (not your main home) 18% 24%
Business Asset Disposal Relief (up to £1m lifetime) 18% flat (up from 14%)

Since October 2024 the rates for property and everything else are aligned at 18% and 24% — and "basic rate" here means the gain fits inside your unused basic-rate band (£50,270 of income + gains). Big gains straddle the line: the slice within the band pays 18%, the rest 24%, which is exactly how the calculator splits it. Note that Business Asset Disposal Relief rose to 18% from April 2026, ending most of its advantage.

What's exempt, and how to pay less legally

No CGT on: your main home (private residence relief), ISAs and pensions, cars, gifts to your spouse, and gains within the £3,000 annual exempt amount. Legitimate planning levers: transfer assets to a spouse before selling to use both exemptions and their lower band, realise gains across two tax years, offset current and brought-forward losses (report them — they carry forward indefinitely), and deduct every allowable cost — stamp duty on purchase, legal and agent fees, and capital improvements all reduce the gain.

Selling UK residential property? You must file a property CGT return and pay within 60 days of completion — a deadline many sellers only discover after missing it.

Frequently asked questions

How much can I gain tax-free in 2026/27?

£3,000 per person across all your gains for the year. It can't be carried forward — unused exemption is lost each 5 April.

Do I pay CGT when I sell my house?

Not on your main home in most cases — private residence relief covers it. CGT hits second homes, buy-to-lets, and inherited property you later sell at a gain.

When is Capital Gains Tax due?

UK residential property: within 60 days of completion via a property return. Everything else: through Self Assessment, due 31 January after the tax year ends.

Can I use losses to reduce my CGT?

Yes — same-year losses offset gains automatically, and reported losses from earlier years carry forward indefinitely to bring future gains down to the exempt amount.

What is Business Asset Disposal Relief in 2026/27?

A reduced 18% CGT rate (up from 14% in 2025/26) on qualifying business sales, up to a £1 million lifetime limit — mainly for sole traders selling the business and directors selling 5%+ of a trading company.

Selling something big this year?

FincSol Accountancy plans disposals before you sell — spouse transfers, loss harvesting, timing across tax years — and files the 60-day property return or Self Assessment for you. Dedicated personal accountant. No long-term contract.

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Uses 2026/27 rates and the £3,000 annual exempt amount; assumes no other gains and standard reliefs unclaimed. Guidance only — see gov.uk. Related: crypto tax calculator · combined UK tax calculator · Self Assessment service.