# Capital gains tax calculator 2026/27 UK | ComputeNow

URL: https://computenow.co.uk/capital-gains-tax-calculator/

> Work out Capital Gains Tax on shares, property or a business for 2026/27, with the £3,000 allowance, losses and Business Asset Disposal Relief.

This calculator shows a worked example below. To use your own figures, add them to the URL as query parameters (listed in https://computenow.co.uk/llms.txt), for example https://computenow.co.uk/capital-gains-tax-calculator/?<parameter>=<value>.

[What's Left, step 1 of 7: What will I take home?](https://computenow.co.uk/money-plan/#steps)

# Capital Gains Tax calculator

Work out the tax on a gain from selling shares, a second home or other assets.
Rates from 6 April 2026Rates checked 18 October 2026
By the ComputeNow team, checked against GOV.UK and HMRC[Sources (2)](#sources)[How we calculate](https://computenow.co.uk/methodology/)

Your Capital Gains Tax is
£3,163.80
on £20,000 of gains.

## How it adds up

| Item | Gain | Tax |
| --- | --- | --- |
| Annual tax-free allowance | £3,000.00 | £0.00 |
| Gains within your basic rate band, at 18% | £15,270.00 | £2,748.60 |
| Rest of your gains, at 24% | £1,730.00 | £415.20 |
| Total Capital Gains Tax | £17,000.00 | £3,163.80 |

This is an estimate, not advice. Gains on your main home are usually tax-free, and gains in an ISA or pension are never taxed. Scottish taxpayers use these UK rates and bands for Capital Gains Tax.
[Your Capital Gains Tax is £3,163.80 Breakdown](#result)

## How Capital Gains Tax works

The first £3,000 of gains each year is tax-free. The rest is taxed at 18% while it fits in your unused basic-rate band, and 24% above that.
Higher and additional rate taxpayers pay 24% on all taxable gains.

## Common questions

### What are the Capital Gains Tax rates for 2026/27?

18% on gains within your basic rate band and 24% above it, for shares and property alike. The first £3,000 of gains each year is tax-free. Business Asset Disposal Relief gains are taxed at 18%.

### Do I pay Capital Gains Tax on my home?

Usually not, if it has been your main home the whole time you owned it. You may pay on a second home or a buy-to-let, and must report and pay within 60 days of completion.

## Related calculators

[Income Tax calculator Your tax band by band](https://computenow.co.uk/income-tax-calculator/)[Investment and ISA calculator How investments grow](https://computenow.co.uk/investment-calculator/)[Stamp duty calculator Tax when you buy a home](https://computenow.co.uk/stamp-duty-calculator/)

## Guides and help

### Our guides

[How Income Tax bands work in 2026/27 Personal Allowance, basic, higher and additional rate](https://computenow.co.uk/guides/income-tax-bands-2026-27/)

### Official services and free advice

[Capital Gains Tax GOV.UK: what you pay it on](https://www.gov.uk/capital-gains-tax)[Report and pay Capital Gains Tax GOV.UK: deadlines and how to report](https://www.gov.uk/report-and-pay-your-capital-gains-tax)[Self Assessment tax returns GOV.UK: who needs to send one](https://www.gov.uk/self-assessment-tax-returns)

## Sources

Each source was last checked on 18 October 2026.

- [GOV.UK: Capital Gains Tax rates and allowances](https://www.gov.uk/capital-gains-tax/rates)
- [GOV.UK: Rates and thresholds for employers 2026 to 2027](https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027)
These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.
This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.