Capital Gains Tax Calculator. With the £3K exemption applied.
The CGT annual exempt amount dropped to £3,000 from 2024/25. Drag the sliders — we stack your gain on top of other income to work out how much falls in the 18% basic-rate band vs the 24% higher-rate band.
Sale proceeds minus original cost minus selling costs.£3,000 Annual Exempt Amount is automatically deducted before tax. From April 2026, the AEA is frozen at £3,000 for at least 2026/27.
Salary + self-employment + dividends + rental — everything other than the gain.CGT bands stack on top of income tax bands. Higher other income means more of your gain is taxed at 24% instead of 18%.
- Total gain£40,000
- Annual exempt amount−£3,000
- Taxable gain£37,000
- CGT due−£8,564
- Net after CGT£31,436
- Exempt£3,000
- CGT£8,564
- Net to you£28,436
UK residential-property gains must be reported and paid within 60 days of completion via HMRC's online service. Other gains report on Self-Assessment. Reliefs that may apply — Private Residence Relief, BADR (14% in 2025/26, rising to 18% from April 2026), gift relief — aren't modelled here. Book a call for the personalised position.