Estimate UK Capital Gains Tax (CGT) by applying the annual exempt amount and then taxing remaining gains at the relevant CGT rates based on how much of your basic rate band is unus…
CGT due
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Taxable gain
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AEA
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Band
Amount
Rate
Tax
Basic
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Higher
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About this calculator
Estimate UK Capital Gains Tax (CGT) by applying the annual exempt amount and then taxing remaining gains at the relevant CGT rates based on how much of your basic rate band is unused after your other taxable income. This calculator is designed for quick planning: enter your taxable income (excluding gains) and your total gains to see an estimated CGT bill and the split between basic‑rate and higher‑rate CGT.
How the calculation works
We subtract the annual exempt amount from your gains, then determine how much of the basic rate band remains after your other taxable income. Gains falling within the remaining basic band are taxed at the basic CGT rate; the rest is taxed at the higher CGT rate (rates depend on asset type).
FAQ
What is the CGT annual exempt amount?
It’s the tax‑free allowance for gains each tax year (AEA).
Do I pay CGT on my main home?
Usually no due to Private Residence Relief, but there are important exceptions.
Does my salary affect CGT rate?
Yes. Your other taxable income determines how much basic rate band is available for gains.
Is this advice?
No—this is an estimate for planning. Complex disposals can change the outcome.
This tool estimates UK Capital Gains Tax (CGT) for shares or residential property using annual gains, losses and the Annual Exempt Amount (AEA). It allocates gains across basic/higher bands based on your taxable income.
Taxable gain = max(0, gain − losses − AEA).
Basic band room is based on your taxable income position.
Rates differ for shares vs residential property.
Next steps
Use PAYE or Self-employed tools first to estimate your taxable income position, then run CGT.
Is this calculator “exact”? It’s deterministic using stated assumptions, but it won’t cover every edge case (e.g., special reliefs). Use it for planning and compare with official guidance for edge cases.
Why do results change sharply at thresholds? Most UK taxes/charges are banded. Crossing a band can change the marginal rate applied to the next slice, which can look like a step-change in totals.