Estimate your Capital Gains Tax on shares, crypto, property, and other assets. Enter your total gain and other income to calculate CGT with the £3,000 annual exemption and 10%/20% rates.
| Item | Amount |
|---|---|
| Total Capital Gain (before exemption) | £0 |
| Annual Exempt Amount (2025/26) | £3,000 |
| Taxable Gain (after exemption) | £0 |
| Your Other Income | £0 |
| CGT Payable | £0 |
| CGT Rate Applied | 0% |
Your capital gains taxable gain is the total gain minus the £3,000 annual exemption. This calculator applies the standard 10% rate if your total income plus taxable gain stays within the basic rate band (£50,270), and 20% if it exceeds that threshold.
Property gains (residential) use different rates: 18% for basic rate and 24% for higher rate taxpayers. This calculator covers the standard 10%/20% rates for shares, crypto, and personal possessions.
Answers to common questions about Capital Gains Tax in the UK
Capital Gains Tax (CGT) is a tax on the profit you make when you sell or dispose of an asset that has increased in value. It applies to a wide range of assets including shares, crypto currencies, second properties, business assets, and valuable personal possessions. The tax is calculated on your gain (the difference between what you paid and what you sold for), not the total sale amount. For the 2025/26 tax year, every individual has a £3,000 annual exempt amount — meaning you can realise gains up to that threshold without paying any tax.
Your CGT rate depends on your total taxable income and the type of asset. For shares, crypto, and personal possessions, the rate is 10% if your total income plus taxable gain stays within the basic rate band (£50,270), and 20% if it exceeds that threshold. Residential property gains are taxed at higher rates: 18% for basic rate and 24% for higher rate taxpayers. This calculator applies the standard 10%/20% rates, which cover the majority of CGT scenarios for investors and crypto traders.
Different asset types have slightly different CGT rules. Shares follow the Section 104 pooling rules and same-day/30-day matching rules. Crypto assets are treated as a 'pool' by HMRC, with each trade considered a disposal. Property has its own reporting regime (60-day reporting for residential property) and higher tax rates. Despite these differences, the core calculation remains the same: total gain minus £3,000 exemption, taxed at 10% or 20% for non-property assets. Always maintain detailed records of every transaction to ensure accurate reporting on your Self Assessment tax return.