Updated June 2026 · 2026/27 tax year

The Capital Gains Tax Survival Pack

CGT catches people out in two ways: they either pay more than they need to, or they miss a deadline and get an automatic penalty. This PDF deals with both — the 60-day property rule, the 2026/27 rates, every relief worth claiming, and exactly how to report and pay.

  • The 60-day property rule: what it is, when the clock starts, and what happens if you miss it
  • Your 2026/27 rates (18%/24%) and the £3,000 allowance — and why more people have a bill now
  • What counts as a disposal, and what's completely exempt
  • How to work out your gain with a full buy-to-let worked example
  • Shares and crypto: the same-day rule, bed-and-breakfast rule, and Section 104 pool explained
  • Private Residence Relief: when your home is exempt and where a bill can still creep in
  • Legal ways to reduce your bill — spouse transfers, ISA bed-and-ISA, carrying losses forward
  • How and when to report and pay, plus the mistakes that cost people most
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The automatic penalty for missing the 60-day deadline starts at £100, regardless of the size of your gain. This is £4.99, and it's a deductible cost against your gain.

Capital Gains Tax Survival Pack — cover Capital Gains Tax Survival Pack — contents page
Capital Gains Tax Survival Pack — when CGT applies
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What's in the pack

11 sections, everything you need

The 60-day property rule
Sell UK residential property and the clock starts on completion day. Miss it and there's an automatic £100 penalty — even if no tax is owed. This section tells you exactly what to do and when.
Your 2026/27 rates and allowance
18% in the basic-rate band, 24% above it — the same for property, shares and crypto since the October 2024 Budget. Annual Exempt Amount is £3,000 (down from £12,300 three years ago).
Working out your gain
Full worked example on a buy-to-let: sale price, less purchase price, less buying and selling costs, less improvements, less allowance. Includes what counts as an allowable cost and what doesn't.
Shares and crypto
The matching rules most people don't know: same-day, 30-day bed-and-breakfast, and the Section 104 pool. Swapping one crypto for another counts as a disposal too.
Private Residence Relief
Why most people pay nothing on their main home — and when a bill can still appear. Covers the final 9-month rule, letting relief, and what happens if you've ever used part for business.
Reducing your bill legally
Using both spouses' allowances, bed-and-ISA to shelter future gains, carrying losses forward, and Business Asset Disposal Relief at 18% for qualifying business sales.
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