Capital Gains Tax Calculator (Property & Shares)
Estimate CGT on selling a property or shares, including the annual exemption, basic vs higher rates and property vs other assets.
Guidance, not advice. This calculator runs the rules as published, it doesn't assess your circumstances. Your actual tax may be affected by factors it doesn't cover (allowances used elsewhere, reliefs, marriage allowance, scheme-specific adjustments). Always seek financial or tax advice from your accountant, or contact HMRC. Read our editorial scope →
Quick CGT Estimate
Disposal Details
Total gain on the disposal (after costs)
Default is £3,000 for 2024/25
CGT Summary
£0
Total Capital Gains Tax
CGT Rates by Asset Type
Property Gains
CGT on residential property (buy-, second homes, inherited property):
- Basic rate taxpayers18%
- Higher/additional rate24%
Private Residence Relief: Your main home is usually exempt from CGT. Periods of absence or letting may reduce the relief.
Share & Other Gains
CGT on shares, funds, and other chargeable assets:
- Basic rate taxpayers10%
- Higher/additional rate20%
ISA holdings: Gains inside ISAs are completely exempt. Losses from shares can offset other gains.
How UK Capital Gains Tax Works
Annual Exempt Amount
Everyone has a CGT-free allowance of £3,000 for 2024/25 and 2025/26 (reduced from £6,000 in 2023/24). This applies to your total gains across all asset types, not per disposal.
Basic vs Higher Rate
Which CGT rate you pay depends on your total taxable income. Your gains stack on top of your income. If your income uses up your basic rate band (£37,700), all gains are taxed at the higher rates.
Property vs Other Assets
Residential property is taxed at higher rates (18%/24%) than shares and other assets (10%/20%). This applies to buy-, second homes, and any residential property that isn't your main home.
Available Reliefs
PPR: Main home usually exempt. BADR: Qualifying business assets taxed at 10% up to £1m lifetime limit. Use our full planner for detailed relief calculations.
Frequently Asked Questions
Need more detail?
Use our full CGT planner for multiple disposals, reliefs, and how gains interact with your income.