Updated July 2026 · 2026/27 tax year

Pay the CGT you owe. Not a penny more.

CGT catches people out two ways: they overpay by missing a relief they were entitled to, or they miss the 60-day deadline and get an automatic £100 penalty. This pack covers both, plus the 2026/27 rates and exactly how to report and pay on time.

  • 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, with interest and further penalties on top the longer it runs. This is £4.99, once.

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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£4.99, against an automatic £100 penalty for filing the 60-day return late, before any interest or further penalties. You get a download link straight away and can re-download up to 5 times over 7 days.

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Written and reviewed by James Whitfield and the UKCapitalGainsTaxCalculator editorial team.

Every figure is checked against current HMRC and GOV.UK guidance and reviewed for the 2026/27 tax year. We explain how the tax works in plain English with worked examples, not just numbers. Editorial standards · Sources · About us