UK Capital Gains Tax Calculator 2026 – Fast & Accurate CGT Estimator

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Capital Gains Tax Calculator

Get a quick estimate of your UK Capital Gains Tax for the 2026/27 tax year.

TAX YEAR 2026/27 6 Apr 2026 – 5 Apr 2027

Your Details

Choose the type of asset you sold. Different assets can use different Capital Gains Tax rates.
The date you originally bought the asset.
The date you sold or disposed of the asset.
The amount you originally paid to buy the asset.
The amount you received when selling the asset.
Fees related to selling the asset such as legal fees or broker fees.
Your income after allowances and deductions. This helps determine your CGT rate.
Advanced Options
Extra costs paid when buying the asset.
Costs for improvements that increased the asset value.
Capital losses that may reduce your taxable gain.

Your Estimated Results

Estimated Gain
£0.00
Estimated CGT
£0.00
Amount You Keep
£0.00
Effective Tax Rate
0%

Simple Explanation

Estimated Gain: Your profit after deducting allowable costs from the sale price.
Estimated CGT: The estimated Capital Gains Tax you may need to pay.
Amount You Keep: The estimated amount remaining after Capital Gains Tax.
Effective Tax Rate: The percentage of your total gain paid as Capital Gains Tax.
View Detailed Breakdown
Total Gain £0.00
Annual Exempt Amount £3,000.00
Taxable Gain £0.00
CGT Rate Used 10%
Important: This calculator provides an estimate only and is not tax advice.

UK Capital Gains Tax Calculator 2026

The UK Capital Gains Tax Calculator 2026 helps you estimate how much Capital Gains Tax (CGT) you may need to pay when selling assets such as shares, property, cryptoassets, or other investments.

Whether you are an investor, landlord, crypto trader, or business owner, understanding your potential CGT liability is important for proper financial planning. Instead of manually calculating gains, tax bands, exemptions, and rates, this calculator gives you instant results in seconds.

Our UK Capital Gains Tax Calculator 2026 is designed to be beginner-friendly, fast, and accurate. Simply enter your purchase price, sale price, selling costs, and income details to estimate your taxable gain and potential CGT liability.

The calculator is useful for:

  • Investors selling shares or funds
  • Property owners selling residential property
  • Crypto investors
  • Business owners
  • Financial planners
  • Anyone wanting quick CGT estimates

The tool also considers the UK annual exempt allowance and different tax rates depending on your income and asset type.

What is UK Capital Gains Tax Calculator 2026?

The UK Capital Gains Tax Calculator 2026 is an online financial tool that estimates the Capital Gains Tax payable when you sell an asset for a profit.

Capital Gains Tax is charged on the gain you make, not the total sale value. In simple terms, if you sell an asset for more than you originally paid, the difference may be taxable.

This calculator helps users:

  • Estimate taxable gains
  • Apply annual CGT allowance
  • Determine lower and higher CGT rates
  • Calculate after-tax profit
  • Understand potential tax exposure before selling assets

The calculator is commonly used by:

  • Share investors
  • Buy-to-let landlords
  • Crypto traders
  • Business owners
  • Estate planners
  • Tax advisers
  • Individuals selling valuable assets

Because UK CGT rules can be confusing, this calculator simplifies the process into easy-to-understand steps.

How to Use the UK Capital Gains Tax Calculator 2026

Using the calculator is simple and only takes a few minutes.

Step 1: Select Asset Type

Choose the type of asset you sold.

Examples include:

  • Shares or funds
  • Residential property
  • Cryptoassets
  • Business assets

Different assets may use different CGT rates.

Step 2: Enter Purchase Date and Sale Date

Add:

  • The date you originally purchased the asset
  • The date you sold or disposed of it

These dates help identify the relevant tax year and may affect eligibility for certain reliefs.

Step 3: Enter Purchase Price

Input the original amount you paid for the asset.

Example:

£25,000

Step 4: Enter Sale Price

Input the amount you sold the asset for.

Example:

£40,000

Step 5: Add Selling Costs

Include allowable selling expenses such as:

  • Estate agent fees
  • Broker fees
  • Legal fees
  • Transfer charges

These costs reduce your taxable gain.

Step 6: Enter Taxable Income

Your taxable income helps determine whether your gains fall into:

  • Lower CGT rate band
  • Higher CGT rate band

This is important because UK CGT rates vary depending on your total income.

Step 7: View Instant Results

The calculator instantly shows:

  • Estimated gain
  • Estimated CGT payable
  • Effective tax rate
  • Amount you keep after tax

You can also open the detailed breakdown section for more information.

Formula Used in UK Capital Gains Tax Calculator 2026

The calculator uses simplified UK Capital Gains Tax formulas.

Basic Capital Gain Formula

Capital Gain =
Sale Price
− Purchase Price
− Allowable Costs

Taxable Gain Formula

Taxable Gain =
Capital Gain
− Annual Exempt Amount

Capital Gains Tax Formula

CGT =
(Taxable Gain within lower-rate band × lower CGT rate)
+
(Taxable Gain above lower-rate band × higher CGT rate)

Variable Explanations

VariableMeaning
Sale PriceAmount received from selling the asset
Purchase PriceOriginal amount paid
Allowable CostsSelling fees and eligible expenses
Annual Exempt AmountTax-free allowance
Taxable GainGain subject to CGT
CGT RateApplicable tax rate

UK CGT Rates for 2026/27

Standard Assets

Tax BandRate
Basic-rate taxpayers10%
Higher-rate taxpayers20%

Residential Property

Tax BandRate
Basic-rate taxpayers18%
Higher-rate taxpayers24%

Example Calculation

Example 1 – Shares Sold at Profit

Inputs

InputValue
Purchase Price£25,000
Sale Price£40,000
Selling Costs£500
Taxable Income£15,000

Calculation

Gain =
40,000 − 25,000 − 500
= 14,500

Apply annual exemption:

14,500 − 3,000
= 11,500 taxable gain

Entire gain falls within remaining basic-rate band:

11,500 × 10%
= £1,150 CGT

Final Result

ResultValue
Estimated Gain£14,500
Estimated CGT£1,150
Amount Kept£13,350

Example 2 – Higher-Rate Taxpayer

Inputs

InputValue
Purchase Price£5,000
Sale Price£40,000
Selling Costs£10
Taxable Income£15,000

Calculation

Gain =
40,000 − 5,000 − 10
= 34,990

Taxable gain after allowance:

34,990 − 3,000
= 31,990

Part taxed at 10%, part at 20%.

Final Result

ResultValue
Estimated Gain£34,990
Estimated CGT£4,128
Amount Kept£30,862

Example 3 – Residential Property

Inputs

InputValue
Purchase Price£150,000
Sale Price£240,000
Selling Costs£5,000
Taxable Income£60,000

Estimated Result

Because the taxpayer exceeds the basic-rate threshold, most gains are taxed at 24%.

Estimated CGT liability will be significantly higher compared to shares.

Benefits of Using UK Capital Gains Tax Calculator 2026

Using this calculator offers several advantages.

Saves Time

Manual CGT calculations can take hours. The calculator provides instant results.

Reduces Human Errors

Complex tax band calculations can easily lead to mistakes.

Better Financial Planning

You can estimate tax before selling an asset.

Helps Compare Scenarios

Try different sale prices or costs to compare outcomes.

Beginner-Friendly

The calculator explains results using simple language.

Works for Multiple Asset Types

Supports:

  • Shares
  • Property
  • Crypto
  • Business assets

Mobile Friendly

Use it on desktop, tablet, or smartphone.

Common Mistakes to Avoid

Many users make avoidable mistakes when estimating CGT.

Forgetting Selling Costs

Allowable costs reduce taxable gains.

Using Total Sale Value Instead of Gain

CGT applies to profits, not total sale proceeds.

Ignoring Annual Exemption

The annual exempt amount can significantly reduce tax.

Entering Incorrect Income

Your income determines which CGT rates apply.

Ignoring Property Rates

Residential property uses different CGT rates.

Forgetting Capital Losses

Capital losses may reduce taxable gains.

UK Capital Gains Tax Calculator 2026 vs Manual Calculation

FeatureManual CalculationUsing Calculator
SpeedSlowInstant
AccuracyCan varyHigh
Ease of UseDifficultBeginner-friendly
Human ErrorCommonReduced
Tax Band HandlingComplexAutomatic
Mobile UsePoorExcellent

Who Should Use This Calculator?

This calculator is useful for many people.

Investors

Estimate tax before selling shares or funds.

Property Owners

Understand potential CGT when selling property.

Crypto Traders

Estimate gains from crypto disposals.

Business Owners

Estimate tax on business asset sales.

Financial Planners

Use the calculator for quick scenario planning.

Beginners

Understand how UK Capital Gains Tax works.

Tips for Accurate Results

Double-Check Input Values

Incorrect numbers can produce misleading estimates.

Include Allowable Costs

Selling fees can reduce taxable gains.

Use Updated Income Information

Tax rates depend on taxable income.

Compare Multiple Scenarios

Try different selling prices and costs.

Keep Records

Maintain purchase and sale documentation for tax purposes.

Frequently Asked Questions (FAQs)

What is the UK Capital Gains Tax Calculator 2026?

It is an online tool that estimates CGT payable on profits from selling assets.

Is the UK Capital Gains Tax Calculator 2026 accurate?

The calculator provides useful estimates based on simplified UK CGT rules.

Does the calculator include annual exempt allowance?

Yes, it includes the annual CGT exemption.

Can I calculate property Capital Gains Tax?

Yes, the calculator supports residential property calculations.

Does the calculator support cryptoassets?

Yes, cryptoasset gains can be estimated.

Is the calculator free to use?

Yes, the calculator is completely free.

Can capital losses reduce my CGT?

Yes, allowable losses may reduce taxable gains.

Does income affect CGT rates?

Yes, your taxable income determines whether lower or higher CGT rates apply.

Is this calculator suitable for beginners?

Yes, it is designed for both beginners and experienced investors.

Does this calculator replace professional tax advice?

No. It provides estimates only and should not replace advice from a qualified tax adviser.

Final Thoughts

The UK Capital Gains Tax Calculator 2026 makes estimating CGT faster, easier, and more accurate for everyday user

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