All of our calculators use the same 2026/27 HMRC rules, so they will give you the same answer for the same figures. The difference is the labels and the guidance around each one, so you can pick the version that matches what you have sold:

Sold a property (a second home, a buy-to-let or any home that was not your only or main residence)? Use the Property CGT Calculator. Residential property is where the 60-day reporting deadline applies, so it pays to get the figure early.
Sold shares or funds held outside an ISA or pension? Use the Shares CGT Calculator. Remember the share-matching and 30-day "bed and breakfasting" rules can change your cost base.
Sold cryptocurrency? Use the Crypto CGT Calculator. HMRC treats most crypto disposals, including crypto-to-crypto swaps, as chargeable events.
Just want to check your allowance? The CGT Allowance Calculator shows how much of your £3,000 annual exempt amount is left after your other gains.
Sold more than one type of asset? Use the main Capital Gains Tax Calculator, which pools everything under a single annual allowance.

How the calculation works

Capital gains tax is charged on the gain you make, not the amount you sell for. In broad terms:

Gain = sale proceeds − purchase cost − allowable costs (such as legal fees, estate agent fees and qualifying improvement works). You then deduct any capital losses and the £3,000 annual exempt amount. Whatever is left is taxed at 18% to the extent it fits in your remaining basic-rate band, and at 24% above it.

Worked example

Suppose you bought a buy-to-let flat for £185,000 and sold it for £280,000, with £6,000 of legal and agent fees. Your gain is £280,000 − £185,000 − £6,000 = £89,000. Take off the £3,000 annual exempt amount and £86,000 is taxable. If you are a higher-rate taxpayer, the whole amount is taxed at 24%, giving a CGT bill of about £20,640. A basic-rate taxpayer would pay 18% on the part of the gain that fits in their remaining basic-rate band and 24% on the rest, so the calculator asks for your income to split it correctly.

Capital gains tax at a glance, 2026/27

Annual exempt amount	£3,000
Basic-rate CGT (all assets)	18%
Higher-rate CGT (all assets)	24%
Business Asset Disposal Relief	18%
Residential property reporting	within 60 days

Figures are for the 2026/27 tax year and are estimates for planning only, not tax advice. See our methodology and sources.

Common questions

Do I still owe CGT if the gain is under £3,000? If your total gains for the year are within the £3,000 annual exempt amount, there is usually no CGT to pay, though you may still need to report a property disposal.

Are ISAs and pensions taxed? No. Gains on investments held inside an ISA or a pension are free of capital gains tax, which is why the shares calculator only applies to holdings outside those wrappers.

Can I use losses from previous years? Yes. Capital losses can be carried forward if you report them to HMRC, and then set against future gains. The calculators let you enter losses so you can see the effect.