Capital Gains Tax calculator
Capital Gains Tax is charged on the profit when you sell something that has gone up in value — shares, a second property, a business. Enter the gain and your income to see the bill.
The rate depends on your income, because the gain is stacked on top of it. That is why this calculator asks what you earn.
Capital Gains Tax to pay
£9,464
leaving £35,536 of your gain
| Gain after costs | £45,000 |
|---|---|
| Tax-free allowance | −£3,000 |
| Taxable gain | £42,000 |
| Taxed at 18% | £10,270 |
| Taxed at 24% | £31,730 |
| Capital Gains Tax | £9,464 |
2026/27 rates. Your income decides how much of the gain falls in the 18% band: the gain is stacked on top of your taxable income, and whatever sits above the basic-rate band is charged at 24%. Selling a UK residential property must be reported and paid within 60 days.
Common questions
- How much can I make before paying Capital Gains Tax?
- The annual exempt amount for 2026/27 is £3,000. Gains below that are not taxed and, in most cases, do not need reporting. Trusts get £1,500.
- What are the Capital Gains Tax rates?
- 18% where the gain falls inside your remaining basic-rate band, and 24% above it. Your income decides which applies: the gain is stacked on top of your taxable income, so a large gain often spans both rates.
- When do I have to pay Capital Gains Tax?
- For a UK residential property, within 60 days of completion via a Capital Gains Tax on UK property account. For everything else, through Self Assessment by 31 January after the end of the tax year.
- Do I pay Capital Gains Tax when I sell my home?
- Usually not. Private Residence Relief normally covers the sale of your only or main home. It can be restricted if you let the property out, used part of it exclusively for business, or the grounds exceed half a hectare.
Selling something substantial?
Reliefs change the answer a lot — Business Asset Disposal Relief cuts the rate to 18%, and how a disposal is timed or split between spouses can move it further. Worth a conversation before you sell, not after.
Talk to an accountant