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UK Capital Gains Tax Calculator

Calculate tax on Residential Property, Shares, and Crypto for the 2025/26 tax year.

📉
Allowance UpdateAEA Reduced to £3,000

Transaction Details

Agent fees, legal costs, improvements.

Used to determine tax band.

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60 Day Rule Applies: For UK residential property, you must report and pay the tax within 60 days of completion.

Total Gross Profit

£0

Less Tax-Free Allowance-£0
Taxable Amount£0
🎉 No Tax Due (Below Allowance)

Estimated CGT Bill

£0

Your Net Profit£0

UK Capital Gains Tax Calculator (Property & Crypto 2025/26)

Capital Gains Tax (CGT) is a tax on the profit when you sell (or 'dispose of') an asset that has increased in value. It’s the gain you make that’s taxed, not the amount of money you receive. For the 2025/26 tax year, the tax-free allowance (Annual Exempt Amount) has been slashed to just £3,000, meaning more investors than ever now face a tax bill.

Capital Gains Tax on Property

Residential property usually attracts higher rates of CGT than other assets. This effectively targets buy-to-let landlords and second-home owners.

  • Basic Rate Taxpayers: 18%
  • Higher/Additional Rate Taxpayers: 24%

⚠️ The 60-Day Reporting Rule

Crucially, for residential property, you cannot wait until your self-assessment tax return. You must file a specific 'Capital Gains Tax on UK property' return and pay the estimated tax within 60 days of the sale completion. Missing this deadline triggers immediate penalties.

Selling Shares and Crypto Tax UK

HMRC treats cryptocurrency (Bitcoin, Ethereum, etc.) exactly like shares for tax purposes. Every time you sell crypto for fiat (GBP), swap one crypto for another, or use crypto to buy goods, it is a taxable event.

The rates for non-residential assets (shares, crypto, business assets) are generally lower:

  • Basic Rate Taxpayers: 10%
  • Higher/Additional Rate Taxpayers: 20%

Note: "Bed and Breakfasting" rules prevent you from selling shares to crystalise a gain (or loss) and buying them back immmediately. requires a 30-day gap.

Allowances & Reliefs (2025/26)

Private Residence Relief (PRR): You do not pay CGT when you sell your main home, provided it has been your only or main residence for the entire time you owned it. This calculator assumes you are selling an assetnot covered by PRR (e.g., a buy-to-let or Bitcoin).

Annual Exempt Amount (AEA): Everyone gets a tax-free allowance. For 2025/26, this is £3,000. Any gain below this is tax-free. Gains above are taxed.

How to Pay Less CGT

Spouse Transfer: You can transfer assets to your husband, wife, or civil partner tax-free. They can then sell the asset using their own £3,000 allowance, effectively doubling your household tax-free limit to £6,000.

ISA Wrapper: Always try to hold shares and funds within an ISA (Individual Savings Account). Any gains made inside an ISA are completely free of Capital Gains Tax.