UK Capital Gains Tax calculator 2026/27
Model a disposal end-to-end — from proceeds and acquisition cost through to the annual exempt amount, brought-forward losses and the split between basic and higher rate. Works for both residential property and other assets such as shares and funds, and shows exactly how the CGT figure is built up.
Capital Gains Tax Calculator
Model a disposal end-to-end — including reliefs, losses and the band split.
For guidance only — this is not financial or tax advice. Figures are estimates based on 2026/27 tax rules for England, Wales and Northern Ireland.
If reading this raised a question about your own situation, get in touch.
Get in touchWho this calculator is for
Anyone selling a second home or buy-to-let, disposing of shares or fund units outside an ISA, or crystallising gains at year end to use up the annual exempt amount. Also useful for advisers and executors who want a quick, transparent working before doing the formal calculation.
The 2026/27 rules it uses
- Annual exempt amount: £3,000 for individuals in 2026/27.
- Residential property rates: 18% within the basic-rate band, 24% above.
- Other assets rates: 18% within the basic-rate band, 24% above.
- Losses brought forward are applied before the annual exempt amount.
- The remaining basic-rate band is filled by other taxable income first, then the gain.
Frequently asked questions
Do I get the annual exempt amount every year?
Yes — everyone gets £3,000 of tax-free gains each tax year, but it can't be carried forward. If you don't use it in a tax year, you lose it.
Why do gains split between two rates?
Any unused basic-rate band (after your income) is taxed at the lower CGT rate. Anything above the £50,270 basic-rate limit is taxed at the higher CGT rate. The calculator does this split automatically.
Educational estimate, not tax advice. Complex disposals — private residence relief, gifts, share pooling — may need professional input.