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Free tool · Capital gains

Capital GainsTax.

See how much CGT you'll pay on shares, crypto or a second property for 2025/26, and how much falls at 18% versus 24%.

What did you sell?

From 6 April 2025 the rates are the same for both: 18% and 24%.

£

Salary, profits, rent, pensions, savings and dividends, before the personal allowance.

£

Sale price minus what you paid and buying/selling costs, added up across everything you sold.

£

Capital Gains Tax for 2025/26

Illustrative estimate

£0.00

Unused basic rate band: £5,270
Net gains£0.00
Annual exempt amount−£0.00
Taxed at 18%£0.00
Taxed at 24%£0.00
Capital Gains Tax£0.00

Report gains on your Self Assessment return and pay by 31 January after the tax year. You must also report if you sold more than £50,000 of assets, even with no tax to pay.

Illustrative estimate. Ignores reliefs such as Private Residence Relief and Business Asset Disposal Relief.

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How Capital Gains Tax is worked out

  1. Work out the gain on each asset: sale price minus purchase price and allowable costs such as fees and stamp duty.
  2. Add up gains and take off losses from the same year.
  3. Take off the £3,000 annual exempt amount.
  4. Add what's left on top of your taxable income. The part that fits inside your unused basic rate band is taxed at 18%; the rest at 24%.

Worked example

Leah earns £45,000 and sells shares for a £13,000 gain. After the £3,000 allowance, £10,000 is taxable. Her taxable income is £32,430, leaving £5,270 of basic rate band. So £5,270 is taxed at 18% (£948.60) and £4,730 at 24% (£1,135.20). Her CGT is £2,083.80.

Selling your home

Your main home is usually covered by Private Residence Relief, so there's no CGT if you lived in it the whole time you owned it. A buy-to-let or second home is taxable, and you must report and pay within 60 days of completion. The calculator doesn't apply reliefs.

Reporting your gains

Gains go on the capital gains pages of your Self Assessment return. If you don't file yet, register by 5 October after the tax year. TaxGo adds your gains to the rest of your return and works out the bill.

Questions

Asked and answered.

01

What are the Capital Gains Tax rates for 2025/26?

18% on gains that fall within your unused basic rate band and 24% on the rest. Since 30 October 2024 these rates apply to shares, crypto and other assets as well as residential property.

02

How much can I make in gains tax-free?

The annual exempt amount is £3,000 for 2025/26. It can't be carried forward, so any you don't use in the year is lost.

03

Do I need to report gains on a tax return?

Yes if you have tax to pay. You also need to report if your total sale proceeds were over £50,000, even when your gains are under £3,000.

04

When do I pay Capital Gains Tax?

For most assets, by 31 January after the end of the tax year through Self Assessment. For UK residential property you must report and pay within 60 days of completion.

05

Can I use losses to reduce my gains?

Yes. Losses in the same tax year are set against gains first. Unused losses can be carried forward to later years if you report them to HMRC within four years.

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