Capital gains tax calculator

See if you'll have Capital Gains Tax to pay

Use our calculator to check if you will have to pay tax on your investment profits.

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This calculator is for educational purposes only. It is intended for individual use and should not be used by trustees, executors or those with carried interest gains. Tax rules are subject to change and depend on individual circumstances.

What is Capital Gains Tax?

Capital Gains Tax (CGT) is the tax you pay on profit you make from selling something you own. You'll pay tax only on the gain, not the full sale amount. This can apply to investments like stocks, shares or bonds outside of an ISA. It can also apply to assets like property, cryptocurrency and any business assets.

How our Capital Gains Tax calculator works

To give you an idea of tax you may have to pay, our calculator assumes a few things.

Assumptions

  • Any profits on your assets, including those from additional properties, will be taxed at 18% for basic rate taxpayers or 24% if you're a higher or additional rate taxpayer.
  • For the 2025/2026 tax year, you'll get a tax-free allowance of £3,000 and this is offset against any gains.

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Capital Gains Tax calculator

Use our calculator to get an idea of whether you’ll owe CGT.

You'll need to declare anything you've earned from selling assets over your personal allowance on a tax return. The rate of Capital Gains Tax you pay each tax year will depend on the type of asset you've sold and how much you have earned overall.

This is required on profit made from additional properties but excludes your primary home.

Your primary home is the one you have lived in for the whole period of ownership, and where private residence relief should be available.

This is required for profit made on assets other than property.

Other assets include:

  • Most personal possessions worth £6,000 or more, except cars you have used for personal travel.
  • Any shares or funds not held in an ISA or Personal Equity Plan (PEP)
  • Business assets

This should be your annual salary or pension income before tax and not include savings interest.

Income tax is a tax you pay on income earned. You pay an income tax on things like:

  • Money you earn from employment or self-employment
  • Rental or trading income
  • Retirement income such as pension, drawdown or annuities

This should be any additional income before tax and should not include savings interest.

Your results

Based on the savings you've told us about your total Capital Gains Tax to pay could be:

Of which, your property Capital Gains Tax to pay is:

Of which, your other assets Capital Gains Tax to pay is:

How Capital Gains Tax is calculated

Any profits on your assets, including those from additional properties, will be taxed at 18% for basic rate taxpayers or 24% if you're a higher rate taxpayer. 

For the current tax year, the amount that is tax-free is £3,000 and this is offset against any gains taxed at a higher rate.

The information provided on this calculator is intended for individual use only and should not be used by trustees, executors or those with carried interest gains.

What does this mean?

After selling an asset, you may have to pay Capital Gains Tax on profit made above £3,000. Any profit less than this is currently considered tax-free.

You must declare taxable profits to the HMRC by filing a tax return. Please make sure you declare this by January 31st, for the tax year after you profit.

All information on this page is for educational purposes only and is not an exact representation of the tax you might be liable to pay. Capital Gains Tax rules can be complicated and often change. You can find detailed information on the gov.uk website.

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Capital Gains Tax FAQs

What don’t you have to pay Capital Gains Tax on?

You don’t have to pay Capital Gains Tax (CGT) when you sell your main home, as long as it has been your only or main residence for the entire time you owned it. To qualify for full CGT relief, you must not have rented out the property (except to a lodger), and you must not have used part of it exclusively for running a business. If these conditions are only partly met, you may be entitled to partial relief.


Investments and savings held in ISAs are completely free from CGT. This applies to both cash ISAs and stocks and shares ISAs. So are gains from selling UK government bonds, also called gilts. Plus, winnings from premium bonds or the National Lottery.


If you sell personal possessions (legally called chattels) that are worth less than £6,000, you do not usually have to pay CGT. This includes items such as antiques, jewellery, and artwork. If you sell a set of items together, the total value of the set is considered, not the value of individual items.

You don’t pay Capital Gains Tax when you sell your personal car, if it’s not used for business or held as an investment. However, collectible or investment cars may be subject to CGT.

Some assets with a life of less than 50 years, known as wasting assets, are exempt from CGT. For example, racehorses or old machinery.

There’s no CGT to pay when transferring assets to your spouse or civil partner, as long as you are living together during the tax year in which the transfer takes place.

You are also exempt from paying CGT when gifting assets to UK-registered charities.

We have more information on capital gains tax here.

What is the Capital Gains Tax allowance?

For the UK tax year 2025/2026, the CGT annual exempt amount (AEA) is:

£3,000 for individuals and personal representatives.
£1,500 for most trustees.
£3,000 for trustees of trusts where the beneficiary is vulnerable. For example, a disabled person or a child whose parent has died.

This is the total capital gain you can have in the tax year before you need to pay tax.

For more, read our guide to CGT tax allowances.

What is the Capital Gains Tax rate?

For the tax year 2025/2026, these are the rates of CGT.

For basic rate taxpayers it's 18% on gains from residential property and on gains for other chargeable assets.

For higher and additional rate taxpayers, it's 24% on gains from residential property and on gains from other chargeable assets.  Read more about CGT tax rates here.

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