What is the capital gains tax calculator?

Our free UK CGT calculator helps you estimate the Capital Gains Tax you may owe based on your gain and taxable income. It applies HMRC's annual exempt amount, splits the gain across the basic and higher CGT rate bands using your salary, and works for crypto, shares and property disposals.

What is capital gains tax (CGT)?

Capital Gains Tax is a tax on the profit (or gain) you make when you sell or dispose of an asset, such as property, shares, or cryptocurrency. You only pay CGT on the profit above your annual tax-free allowance. Take a look at our blog about capital gains tax on crypto for more information.

How is capital gains tax calculated?

Capital gains tax is calculated by taking the selling price of the asset, subtracting the purchase price, and then accounting for any allowable costs or reliefs. The resulting profit is your capital gain. You can use our crypto tax calculator tool to work out the gain on a cryptocurrency trade.

What is the annual tax-free allowance for capital gains tax in the UK?

The annual CGT exempt amount in the UK is £3,000 for the 2025/26 tax year (unchanged from 2024/25, down from £6,000 in 2023/24 and £12,300 before that). You only pay CGT on total gains above that allowance, and unused allowance can't be carried forward to the next year. See our UK tax rates article for more detail.

What assets are subject to capital gains tax in the UK?

Capital gains tax applies to various assets, including property (like second homes and rental properties), stocks and shares, cryptoassets and valuable items such as antiques and collectibles. Always refer to HMRC guidelines or consult a tax professional for specific situations.

Do I have to pay capital gains tax on cryptocurrency?

Yes, cryptocurrency is treated as an asset for tax purposes in the UK. If you sell or dispose of crypto and make a gain above the annual exempt amount, you may be liable to pay capital gains tax. Check out our UK crypto tax guide to find out how HMRC tax rules apply.

When do I need to report capital gains tax?

You need to report and pay any capital gains tax owed by January 31 following the end of the tax year in which you made the gain. This is typically done through your Self Assessment tax return.

Are there any reliefs available to reduce capital gains tax?

Yes, there are several reliefs for capital gains; each has specific conditions, so it’s essential to check if you qualify.

Can losses be used to offset capital gains?

Yes, you can offset capital gains with capital losses in the same tax year, which can help reduce your overall tax liability. If your losses exceed your gains, you can carry forward the unused losses to future tax years without any limit, but you must claim them within four years of the loss year. Note, you cannot roll forward your annual exemption allowance.

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

For the 2025/26 tax year, UK Capital Gains Tax is charged at 18% on gains that fall within your basic-rate income band and 24% on gains in the higher-rate band. The same 18%/24% structure applies to crypto, shares and most non-residential property disposals after the 30 October 2024 Budget changes. Use the calculator above to see how the rates apply to your specific gain and salary.

Is this CGT calculator free to use?

Yes — the Recap CGT calculator is completely free, requires no signup, and stores nothing about your inputs (the calculation runs in your browser). It's built and maintained by Recap, the UK's privacy-focused crypto tax software, and updated each tax year for the latest HMRC rates and allowances.

Free UK Capital Gains Tax Calculator

Estimate the UK Capital Gains Tax (CGT) you may owe on your profits with our free CGT calculator. Select your tax year, enter your gain and taxable income, and see your liability instantly — covers crypto, shares and property under the same UK CGT rules. Updated for the 2025/26 tax year.

Holding cryptocurrency?Use the UK Crypto Tax calculator

Why use Recap?

UK Specific Tax Rules
Updated for 2026 Tax Changes
Privacy Focused - No Data Stored

CGT Calculator

Tax Year:

Your details

Profit from capital gains

Total taxable income

How much tax is payable?

Annual exemption 2025-2026£3,000.00

Total taxable gain£0.00

Taxed at 18%£0.00

Taxed at 24%£0.00

CGT payable£0.00

Profit after tax£0.00

Updated 31st October 2024 to add split year support 2024/25.

Disclaimer: This calculator provides estimates and does not account for all possible tax scenarios. Please consult a qualified tax professional for personalised advice.

Calculate your crypto taxes effortlessly with Recap

Recap gives you a complete view of your entire crypto portfolio, allowing you to easily calculate your capital gains and income tax. With support for complex activities like staking and lending, you can ensure compliance and avoid costly mistakes.

How our crypto tax calculator works

The capital gains calculator above provides an estimate of the capital gains tax payable based on your capital gains and taxable income. For assistance in calculating your crypto capital gains, use Recap's crypto tax calculator. Simply sign up, connect your accounts, and verify your transactions. Recap will automatically calculate your crypto taxes, giving you a detailed report that you can download as a PDF when you're ready to file.

Efficiently import data from your exchanges and wallets
Generates accurate reports for your crypto, ensuring you have everything you need to file your tax return
Aligned with the latest HMRC guidance, so you can be confident that you're compliant
End-to-end encryption so you maintain full self-custody of your crypto data