Free tool · 2026/27 CGT

Capital Gains Tax calculator UK

Sold property, shares or crypto? Estimate your Capital Gains Tax in seconds using 2026/27 rates and the £3,000 annual exempt amount. Then let our Chartered Certified Accountants report it for you, including the 60-day property return.

  • 18% and 24% rates applied by income
  • £3,000 annual exempt amount
  • Losses deducted
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Free no sign-up needed
  • Updated for 2026/27
  • Instant, private estimate
  • Accountant review available
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Estimate your Capital Gains Tax

Enter your figures for the 2026/27 tax year. Nothing is stored or sent.

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Who it’s for

Who this calculator is for

Anyone who has sold an asset for more than they paid.

🏠

Property sellers

Buy-to-lets, second homes and inherited property.

📈

Share investors

Shares and funds held outside ISAs.

🪙

Crypto investors

Gains on selling or swapping tokens.

🧾

Business owners

Selling assets or a business.

Packages & prices

Want us to file it for you?

Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.

Starter
Straightforward returns and simple sole traders.
£150
per year · incl. VAT
  • Self Assessment tax return
  • Tax calculation explained
  • Online filing with HMRC
  • Deadline reminders
Start my return
Most popular
Growth
Self-employed, landlords, directors or several income sources.
£250
per year · incl. VAT
  • Everything in Starter
  • Self-employment or rental schedules
  • Expense and allowance review
  • Payments on account planning
Start my return
Complete
Bookkeeping, MTD, several properties, crypto or foreign income.
Quote
fixed fee
  • Everything in Growth
  • Capital gains and crypto
  • Foreign income and relief
  • Making Tax Digital support
Request a quote

All prices include VAT.

What’s included

What the calculator works out

Using 2026/27 rates for UK residents.

  • Gains after allowable losses
  • The £3,000 annual exempt amount
  • How much of your basic rate band is left
  • Gains taxed at 18%
  • Gains taxed at 24%
  • Your estimated Capital Gains Tax
How it works

A seamless, fully online process

Enter your income

Your other taxable income for the year.

Enter your gains

Sale price less purchase price and costs.

Add losses

Any losses available to use.

See your estimate

With the split between 18% and 24%.

Rates used

Capital Gains Tax rates 2026/27

ItemRate or amount
Annual exempt amount£3,000
Gains within your basic rate band18%
Gains above the basic rate band24%
Business Asset Disposal Relief18%
UK residential property: report and payWithin 60 days of completion

How is Capital Gains Tax calculated?

In short: take the sale price, deduct what you paid and allowable costs, deduct losses and the £3,000 annual exempt amount, then tax the rest at 18% if it falls within your unused basic rate band and 24% above it.

A worked example

Tom earns £30,000 and sells shares for a £20,000 gain. After the £3,000 exemption, £17,000 is chargeable. His unused basic rate band is £20,270, so all of it is taxed at 18%: £3,060.

Selling UK property

If you sell a UK home that was not your main residence, you must usually report and pay within 60 days of completion, then include it on your tax return. Private Residence Relief can reduce or remove the gain on a former home.

Our Capital Gains Tax service handles both returns. For crypto, see crypto tax returns. More on our tax calculators page.

Official guidance: Capital Gains Tax: what you pay it on, rates and allowances · Report and pay Capital Gains Tax on UK property

Calculating Capital Gains Tax on property, shares and crypto
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Why clients choose Wingate

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Transparent pricing, confirmed in writing before any work begins. No hourly charges and no surprises.

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Client reviews

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“Professional and reassuring when dealing with my CGT obligations. I’d definitely use Wingate again.”

Capital Gains Tax client · Trustpilot
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“Used Wingate for a CGT submission recently, efficient, knowledgeable, and easy to deal with.”

Capital Gains Tax client · Trustpilot
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“Wingate have processed my tax returns for some years now & I am more than happy with service provided.”

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FAQs

Frequently asked questions

What is the Capital Gains Tax allowance for 2026/27?
The annual exempt amount is £3,000 per person.
Are property and shares taxed at different rates?
No. Since 30 October 2024, the same 18% and 24% rates apply to most assets, including residential property.
Do I pay CGT on my main home?
Usually not, thanks to Private Residence Relief, as long as it was your only or main residence throughout.
When do I pay CGT on a property sale?
Within 60 days of completion for UK residential property, otherwise by 31 January after the tax year.
Can I use losses?
Yes. Losses in the same year are deducted first, and unused losses can be carried forward if reported.
Can you report it for me?
Yes. We prepare the 60-day return and your Self Assessment.

Sold an asset? Let us report it correctly

Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.

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