Capital gains tax calculator
An estimate of Capital Gains Tax on a gain made on or after 6 April 2026 — shares, a second property, crypto or other assets.
Quick answer. You pay no Capital Gains Tax on the first £3,000 of gains in 2026/27. Above that, gains that fit in your unused basic-rate band are taxed at 18% and the rest at 24%. With taxable income of £20,000 and a gain of £12,600, the tax is £1,728.
Estimate Capital Gains Tax
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| Gains after the £3,000 allowance | — |
|---|---|
| Taxed at 18% | — |
| Taxed at 24% | — |
| Basic-rate band left for gains | — |
How it is worked out
Take your taxable income — your income minus your Personal Allowance. Take the £3,000 allowance off your gains and add what is left to your taxable income. Any part that fits within the £37,700 basic-rate band is taxed at 18%; anything above is taxed at 24%. The same rates apply to residential property and to other assets.
GOV.UK's second example: taxable income of £20,000 and gains of £52,600. After the allowance, £49,600 is taxable; £17,700 fits in the basic band at 18% and £31,900 is at 24%, making £10,842.
What you do not pay it on
You do not usually pay Capital Gains Tax when you sell your own home. Gains inside an ISA or pension are free of it, and gifts to your spouse, civil partner or a charity do not trigger it. Losses on other assets can be set against gains, and unused losses you have reported can be carried forward.
Reporting
If you sell UK residential property and owe tax, you report it and pay within 60 days of completion. Other gains are reported through Self Assessment. Capital Gains Tax uses UK-wide bands, so this works for Scottish taxpayers too, even though their income tax is different.
Common questions
What is the Capital Gains Tax allowance for 2026/27?
£3,000. Only gains above that are taxable.
What are the Capital Gains Tax rates from 6 April 2026?
18% on gains that fall within your unused basic-rate band and 24% on gains above it. Business Asset Disposal Relief gains are taxed at 18%.
Is Capital Gains Tax different for property?
Not any more. Gains on residential property are taxed at the same 18% and 24% as other assets. You do not usually pay it on your own home.
Does a capital gain affect my income tax?
No — gains are taxed separately. But your income decides how much of the basic-rate band is left, which decides how much of the gain is taxed at 18%.
How long do I have to pay CGT on a property sale?
For UK residential property, report and pay within 60 days of completion. Other gains go on your Self Assessment return.
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