Who this is for
Employees and households optimizing real take-home outcomes.
UK Capital Gains Tax Calculator
Calculate how much Capital Gains Tax you'll pay when selling shares, property, or other assets. 2025/26 rates (18% basic, 24% higher).
How we calculate this - methodology, formulas & sourcesCapital Gains Tax to pay
£5,864
Effective rate: 19.55% on total gain
Asset type
£
£0£5m
£
£0£5m
£
£0£500k
| Calculation | Amount |
|---|---|
| Sale price | £80,000 |
| Less: purchase price | -£50,000 |
| Total gain | £30,000 |
| Less: annual exempt amount | -£3,000 |
| Taxable gain | £27,000 |
| Band | Amount | Rate | Tax |
|---|---|---|---|
| Basic rate | £10,270 | 18% | £1,848.60 |
| Higher rate | £16,730 | 24% | £4,015.20 |
| Total CGT | £5,863.80 | ||
32%
68%
Basic rate (18%)1848.6
Higher rate (24%)4015.2
Total gain
£30,000
CGT payable
£5,864
You keep
£24,136
Ways to reduce your CGT
- Spread over tax years: Splitting the sale across two tax years gives you two annual exempt amounts (£6,000 total).
- Spousal transfer: Transfer assets to your spouse before selling to use both annual exempt amounts and potentially access their lower tax band.
- Bed and ISA: Sell investments, use your annual exempt amount, and rebuy inside an ISA wrapper for future tax-free growth.