Capital Gains Tax Calculator UK

What is Capital Gains Tax (CGT) in the UK?

Capital Gains Tax is the tax you pay on the profit (gain) made when you sell or dispose of an asset that's increased in value. It applies to things like property (other than your main home), stocks, shares, cryptocurrency, and valuable items like antiques or art.

How This CGT Calculator Works

This tool estimates your UK CGT bill using:

• The difference between your buying and selling price
• Any costs you can claim as deductions (legal, agent, renovations)
• Your income tax band (since CGT rates vary based on total income)
• The CGT tax-free allowance (annual exemption)

UK Capital Gains Tax Rates

CGT rates depend on both the asset type and your total income:

• For property: 18% (basic rate) or 28% (higher rate)
• For shares, crypto, or other assets: 10% (basic) or 20% (higher)

Who Should Use This Calculator?

• Investors selling stocks or crypto
• Landlords selling a second property
• Individuals selling valuable personal possessions
• Anyone planning asset sales in the UK

CGT Allowances and Reliefs

• Annual exempt amount: A set allowance you don’t pay tax on (e.g., £6,000)
• Private Residence Relief: Reduces or removes CGT on your main home
• Business Asset Disposal Relief: For entrepreneurs or business sales

Important Notes

• This tool simplifies CGT estimates and does not include taper relief, rollover relief, or trust calculations
• Always refer to HMRC or your accountant for final figures before filing
• CGT must be paid within 60 days of selling a UK residential property

Example Scenario

You bought a buy-to-let flat for £150,000, spent £10,000 in renovation, and sold it for £210,000. After deducting the annual allowance and considering your income, the calculator shows whether you owe CGT at 18% or 28%.

CGT Planning Tips

• Sell in a lower-income year to reduce your CGT rate
• Maximize allowable costs to reduce your taxable gain
• Use tax-free allowance wisely (you get it every tax year)

Final Thoughts

This Capital Gains Tax Calculator UK helps you plan smarter before selling assets. Whether you're selling crypto, property, or investments, knowing your CGT obligation helps you budget, invest, and file accurately.