Capital Gains Tax Calculator UK
Estimate your Capital Gains Tax (CGT) liability for the 2025/26 tax year. Our calculator handles property, shares, and other assets.
Capital Gains Tax Calculator
Estimate your CGT liability for the 2025/26 tax year.
Tax and Profit
This is an estimate. Always consult a qualified accountant for tax advice.
Your profit from gains
£20,000.00
Tax-free allowance
-£3,000
Capital Gains Tax to pay
-£3,400.00
Profit After Tax
£16,600.00
Understanding Capital Gains Tax (CGT)
Capital Gains Tax is a tax on the profit you make when you sell (or 'dispose of') an asset that has increased in value. It's the gain you make that's taxed, not the total amount of money you receive.
Key Concepts
Understanding the basics of how CGT is calculated.
1. The 'Gain'
This is the difference between what you paid for an asset and what you sold it for. Certain costs, like solicitor's fees or stamp duty, can be deducted to reduce the gain.
2. Annual Exempt Amount (AEA)
Every individual has a tax-free allowance for capital gains each tax year. For 2025/26, this is £3,000. You only pay CGT on gains above this amount.
3. Allowable Losses
If you sell an asset for less than you paid for it, you can deduct this 'allowable loss' from your gains in the same or a future tax year to reduce your tax bill.
Tax Rates Depend on Two Things
The CGT rate is determined by the asset type and your income.
Your Income Tax Band
Your total taxable income for the year determines whether you pay the lower or higher rate of CGT. Our calculator works this out for you.
The Asset Type
Gains from residential property that is not your main home are taxed at higher rates than gains from other assets like shares or collectibles.
CGT Rates for 2025/26
Residential Property
18% for basic rate taxpayers, 24% for higher/additional rate taxpayers.
Other Assets
10% for basic rate taxpayers, 20% for higher/additional rate taxpayers.