Capital Gains Tax Calculator 2026/27

Capital Gains Tax Calculator

✓ Verified for 2026/27

Gain & Income Details

£
£
ⓘ

Capital Gains Tax (CGT) is charged on profits when selling an asset. You have a tax-free allowance of £3,000. CGT rates depend on your other taxable income: basic rate taxpayers pay 10% (18% for property) up to the basic rate threshold, and higher rate taxpayers pay 20% (24% for property).

Capital Gains Tax Due
£2,200
payable tax
Net Profit Retained
£22,800
gain after tax
Tax-free Allowance
£3,000
annual exemption limit
Effective CGT Rate
8.8%
of total gain

Capital Gains Breakdown

Total Capital Gain £25,000
Annual Exemption Allowance £3,000
Taxable Gain £22,000
Other Taxable Income £35,000
Capital Gains Tax £2,200
Net Gain 91%
CGT Due 9%

How We Calculated This

  1. Calculate total gain: Deduct original purchase price and selling costs from final sale price.
  2. Apply annual allowance: Deduct the tax-free Capital Gains Allowance (£3,000).
  3. Determine tax rate based on asset class: Standard assets are taxed at 10% (basic rate) or 20% (higher rate). Residential property is taxed at 18% (basic) or 24% (higher).

Real-World Examples

Example 1: Sale of shares with £10,000 gain (Basic Rate Taxpayer)

Calculating tax on standard capital gains.

Gross Capital Gain: £10,000
- Capital Gains Allowance: £3,000
= Taxable Gain: £7,000

Tax at 10% rate: £700

Frequently Asked Questions

What is the Capital Gains Tax allowance for 2026/27?

The annual tax-free Capital Gains exemption is £3,000 per person. Gains below this amount are completely tax-free.

Do you pay Capital Gains Tax when selling your primary home?

Generally, no. Private Residence Relief applies to your main home, exempting it from Capital Gains Tax as long as it has been your only or main residence throughout your ownership.

Related Calculators

Stamp Duty CalculatorMortgage CalculatorBuy-to-Let Landlord Tax CalculatorRental Yield & ROI Calculator

About This Calculator

This calculator uses the latest HMRC rates for the 2026/27 tax year. For illustrative purposes only — always consult a qualified tax adviser for formal advice.