About
About UK Capital Gains Tax Calculator
UKCapitalGainsTaxCalculator.co.uk is focused on one job: helping UK taxpayers work out how much Capital Gains Tax they may owe when they sell an asset, clearly and without jargon. The site combines a suite of free CGT calculators with plain-English guides on the 2026/27 rates, the annual exempt amount, and gains on property, shares and crypto - so you can see roughly where you stand before you file with HMRC or speak to an accountant.
What this site is for
Use the calculators to get a fast, private estimate of the CGT due on a disposal. The suite includes the main Capital Gains Tax calculator, the property CGT calculator for second homes and buy-to-let, the shares CGT calculator, the crypto CGT calculator and the annual exempt amount calculator. Nothing you enter is stored or sent to HMRC - calculations run in your browser. See the full list of calculators and our CGT guides.
The guides answer specific questions quickly - for example, "how much CGT will I pay on a £50,000 gain?" or "do I pay Capital Gains Tax when I sell a second home?". The site is designed for people checking a likely bill before a sale, or reconciling the figures afterwards. For a formal figure or to report and pay a gain, use GOV.UK and HMRC's Capital Gains Tax service; for advice on your own circumstances, speak to a qualified tax adviser or chartered accountant.
What we cover
- CGT rates for 2026/27 - 18% for gains within the basic-rate band and 24% for gains in the higher or additional-rate band, with worked examples showing how your other income decides which rate applies.
- The annual exempt amount - the £3,000 tax-free allowance, how it is set against your gains before tax is charged, and how it interacts with losses.
- Residential property - CGT on second homes and buy-to-let, the 60-day online reporting and payment deadline for UK property, and how Private Residence Relief protects your main home.
- Shares and investments - gains on shares and funds held outside an ISA or pension, the share-matching and Section 104 pooling rules, and the 30-day "bed and breakfast" rule.
- Crypto assets - why disposals of Bitcoin and other tokens can trigger CGT, how pooling applies, and why records matter for an accurate figure.
- Reliefs and allowances - Private Residence Relief (PRR), Business Asset Disposal Relief (BADR), transfers between spouses and civil partners, and gains on gifted or inherited assets.
- Losses and reporting - offsetting capital losses in-year and carrying them forward, when a CGT return or Self Assessment entry is required, and how to report losses to HMRC even when no tax is due.
Editorial approach
Every calculator and guide is written in plain British English and reviewed against current HMRC and GOV.UK guidance for the active tax year. We prioritise factual accuracy, transparent assumptions and pages that genuinely help a reader take the next step - not pages that restate definitions without helping anyone act.
We show our workings. Where a calculation is simplified or an assumption is made, it is stated on the page and explained in full on the methodology page. Our editorial standards cover how we write, review and update content, and the official sources we check against.
The site is free to use and funded by advertising. That never affects the figures our calculators produce or the guidance we give. This site provides general information and estimates, not financial, tax or legal advice; for decisions about a disposal, consult a qualified tax adviser.
How the site is maintained
- CGT rates, the annual exempt amount and band thresholds are updated when HMRC confirms the figures for each new tax year.
- Guides and calculators are reviewed at each fiscal event - including Budget and Autumn Statement announcements that change CGT rates, reliefs or reporting rules.
- Pages are updated when readers report confusing assumptions, unclear wording or outdated figures.
- We do not publish pages without practical value for a UK Capital Gains Tax audience.
Editorial ownership and contact
James Whitfield is the editorial owner of UK Capital Gains Tax Calculator. He has written about UK personal tax, investment disposals and capital gains for over five years, covering the October 2024 move to 18% and 24% rates, the reduction of the annual exempt amount to £3,000, the 60-day property reporting regime, and the tapering of Business Asset Disposal Relief. James holds a PhD in engineering mathematics and builds these tools to make the numbers genuinely clear and usable, with a strong focus on figures checked against official HMRC and GOV.UK guidance and a clean, honest user experience. He is not a regulated tax adviser, so for decisions about your own situation, consult a qualified professional.
His work focuses on translating HMRC's Capital Gains Tax rules - band ordering, pooling, reliefs and reporting deadlines - into plain-English guidance that is practically useful for someone estimating a bill before a sale, rather than a substitute for regulated tax advice.
Every calculator and guide is reviewed against current HMRC and GOV.UK guidance before publication. Rates and thresholds are updated when HMRC confirms new tax-year figures, and errors identified by readers are corrected promptly.
For corrections, data-quality feedback or editorial queries: contact page or email hello@ukcapitalgainstaxcalculator.co.uk. Last reviewed: July 2026. Tax year: 2026/27.