Capital Gains Tax calculator

You’ll need to declare these profits via a tax return, file your CGT tax bill and pay it by 31st January every tax year. 

There are lots of assets and investments that are exempt from CGT, like primary residences, tax-wrapped products like ISAs and pensions, and lottery winnings.

It’s worth remembering that everyone has a CGT allowance of £3,000 per tax year. So, even if you sell assets or investments that aren’t exempt, you only have to pay CGT once your profits exceed £3,000.

Our Capital Gains Tax calculator gives you an estimated tax bill based on your annual income and any CGT gains you've made from property, shares or other assets. Please note, these calculations are for illustrative purposes only and do not constitute tax advice or recommendations.

The calculations are based on the following assumptions:

• All numbers are calculated on an annual basis 
• The rates used to calculate income tax are those for the 2024/25 tax year 
• Income tax is calculated for UK taxpayers excluding residents in Scotland. Scottish income tax rates differ from the rest of the UK and are not accounted for in these calculations 
• The CGT rate used in our calculations is 10% for all assets except property, which is taxed at 18%. If your annual income is above £50,270, then a higher CGT rate applies: 20% for all assets except property, which is taxed at 28% 
• Pension contributions are zero in the tax year

There are currently no age-related exemptions on CGT, so even if you are retired, you may still be liable to pay tax on any assets you've sold, transferred or gifted.

When you sell your primary home, you generally won’t have to pay CGT on any of the profit you make. However, there are some exceptions which might mean you’re liable to pay CGT on the profit of the sale:

• If you sell a buy-to-let property 
• If the property was used as a business premise 
• If you have rented out part, or all, of the property

In short, yes. If you sell any property that’s not your primary residence (such as a holiday home) you need to pay CGT any profit you make. This is also applicable if you gift the home to someone else or exchange it for another asset.

The rate of tax you have to pay depends on the asset you’ve sold and your annual income. If your annual income is below £50,270, then your CGT rate is 10% for all assets except property, which is 18%. If your annual income is above £50,270, then a higher CGT rate applies: 20% for all assets except property, which is 28%.