Capital Gains Tax Calculator

What Is a Capital Gains Tax?

Capital Gains Tax (CGT) is the tax you pay on the profit when you sell an asset that has increased in value. You don’t pay tax on the full amount you receive, only on the “gain” you’ve made. Common taxable assets include property (not your main home), shares, business assets, and valuable personal possessions.

Our Capital Gains Tax Calculator helps you quickly estimate:

How much gain is taxable after your annual CGT allowance.
Which CGT rate applies to your circumstances.
The amount of tax you’ll need to pay HMRC.
Your final profit after tax.

Capital Gains Tax Calculator UK

Enter Gross Income (£) Enter Capital Gains (£) Asset Type

How Does Capital Gains Tax Work in the UK?

Every individual gets an Annual Exempt Amount (£3,000 for 2025/26). Any gains above this are taxable.

The tax rate depends on your income band and the type of asset:

Basic Rate Taxpayers: 10% on most assets, 18% on residential property.
Higher Rate/Additional Rate Taxpayers: 20% on most assets, 24% on residential property.

You only pay tax on the gain (sale price – purchase price – allowable costs).

Losses can sometimes be offset against gains.

What Else Should You Keep in Mind?

While this calculator gives you a reliable estimate, there are a few other factors worth noting:

Annual Exempt Amount: Each individual has a CGT allowance (£3,000 for 2025/26). Gains below this are tax-free.
Spousal Transfers: Assets transferred between spouses or civil partners are usually exempt, which can help reduce overall liability.
Reliefs and Exemptions: In some cases, Business Asset Disposal Relief or Private Residence Relief can significantly lower your tax bill.
Reporting Deadlines: CGT must be reported to HMRC, and property sales often have shorter deadlines (60 days).

Understanding these rules ensures you’re not only calculating your tax correctly but also taking advantage of legitimate ways to reduce it.

Why Use This Capital Gains Tax Calculator?

Calculating Capital Gains Tax (CGT) manually can be confusing, especially when you need to account for allowances, income bands, and different tax rates for property versus other assets. This calculator makes the process straightforward by giving you a clear estimate of what you owe and what you keep.

With it, you can quickly see:

Your taxable gain after deducting the purchase price, costs, and annual allowance.
The correct tax rate applied depending on your income band and the type of asset sold.
The amount of CGT owed to HMRC, so you know your liability in advance.
Your net profit after tax, helping you plan reinvestments or future sales.

This tool is especially useful for property investors, shareholders, and individuals selling valuable assets, where even small miscalculations can make a big difference.

Disclaimer

This Capital Gains Tax Calculator is designed to give general estimates and should not be considered professional financial advice. CGT liabilities depend on HMRC rules, annual allowances, and whether gains relate to property, shares, or other assets.

Always confirm figures with HMRC or a qualified tax adviser before making financial decisions.

Capital Gains Tax Calculator

What Is a Capital Gains Tax?