Free calculator
Capital Gains Tax calculator
See the Capital Gains Tax (CGT) you might owe on selling an asset such as shares, funds or a second property (2026/27), with the annual exempt amount applied and the gain split across the basic and higher CGT rates. An estimate — reliefs and losses can change what you actually owe.
Sold an investment or a second property for more than you paid? You may owe Capital Gains Tax on the profit above your tax-free allowance. Here's an illustrative estimate using this year's rates — reliefs and losses can change what you actually owe.
This calculator, the result and the breakdown are free for everyone, no account needed.
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How it works
- 1Enter what you sold the asset for and what it originally cost you.
- 2Add any allowable costs, such as legal or agent fees, and choose whether it's residential property or another asset — property uses its own CGT rates.
- 3Enter your income for the year before this gain — the total before the Personal Allowance is taken off — which sets how much of the gain falls in the basic-rate band before the higher rate applies.
- 4The calculator takes off the annual exempt amount, splits the remaining gain across the basic and higher CGT rates, and estimates the tax due.
Worked example
Selling non-property assets (like shares or funds) for £30,000 that originally cost £15,000, with £40,000 of income for the year before the Personal Allowance and no allowable costs. The calculator takes off the annual exempt amount, applies the CGT rates to the remaining gain and shows the estimated tax due and the effective rate.
This uses the 2026/27 exempt amount and rates. Reliefs (such as Private Residence Relief), losses you can offset and transfers to a spouse or civil partner can all change the figure — GOV.UK or an accountant can confirm your position.
Frequently asked questions
How much Capital Gains Tax will I pay?
It depends on the size of your gain, the annual exempt amount, your other income and whether it's property or another asset. Enter your figures and the calculator estimates the tax due — it isn't a formal calculation of what you owe.
What is the Capital Gains Tax allowance?
Everyone has an annual exempt amount — a slice of gains each tax year that's free of CGT. The calculator takes this off your gain before working out any tax. Only the gain above it is taxable.
Do I pay Capital Gains Tax on shares and funds?
Gains on shares and funds held outside a tax wrapper can be liable to CGT once they exceed the annual exempt amount. Gains inside an ISA or pension aren't. This calculator estimates the tax on a taxable disposal.
Are property gains taxed differently?
Yes. Residential property that isn't your main home uses its own CGT rates, which the calculator applies when you pick property. Your main home is usually covered by Private Residence Relief, which this estimate doesn't model.