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Rates & sources2026/27
CGT at 18%/24% on all asset types, effective 30 October 2024 (shares, crypto, residential property). Business Asset Disposal Relief 18% for 2026/27; carried interest is taxed under the income-tax regime. £3,000 Annual Exempt Amount.
| Band / figure | Rate |
|---|---|
| AEA | £3,000 |
| Basic-rate CGT (all assets) | 18% |
| Higher-rate CGT (all assets) | 24% |
| Business Asset Disposal Relief | 18% |
| Carried interest | taxed under the income-tax regime (up to 39.35%) |
Source: HMRC — Capital Gains Tax — source checked for 2026/27.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution or salary-sacrifice option.
- When you want a simple take-home estimate before payroll or filing.
- When you are approaching the £100,000 income level and want to see the personal allowance taper.
- When you need to convert between hourly, monthly and annual pay.
Worked example: £20,000 gain on shares (basic-rate taxpayer)
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Gross gain | £20,000 |
| Annual exempt amount | £3,000 |
| Taxable gain | £17,000 |
| Basic-rate band remaining (£50,270 − £40,000 income) | £10,270 |
| £10,270 × 18% | £1,849 |
| £6,730 × 24% | £1,615 |
| Total CGT due | £3,464 |
Effective rate 17.3%. Selling £3,000 less per year (or splitting with a spouse) eliminates this tax entirely on a 6-year horizon.
How to read your results
Tax Due
Review this figure alongside your gross income so you can understand deductions before the tax year closes. It is a planning estimate, not a filed return.
Net Gain After Tax
Review this figure alongside your gross income so you can understand deductions before the tax year closes. It is a planning estimate, not a filed return.
Taxable Gain
Review this figure alongside your gross income so you can understand deductions before the tax year closes. It is a planning estimate, not a filed return.
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
Method & assumptionsAuthoritative sources
This calculator estimates Capital Gains Tax on the disposal of assets subject to UK CGT. It applies the Annual Exempt Amount to reduce your total gain, then taxes the remainder at the rate appropriate to the type of asset and your Income Tax band. Residential property disposals use the higher residential CGT rate schedule, while other assets such as shares and personal possessions use the lower rates. Your existing taxable income is used to determine how much of the gain falls in the basic rate band versus the higher rate band.
The calculator does not account for losses carried forward from earlier tax years, Business Asset Disposal Relief, Investors' Relief, gift holdover relief, or rollover relief. It also excludes assets held in ISAs, pensions, and government gilts, which are exempt from CGT. Disposals of residential property that generate a taxable gain must be reported to HMRC within 60 days of completion, which is a separate obligation from Self Assessment.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
- !Overlooking National Insurance or student-loan plan differences that apply to you.
What to do next
- Check the same scenario with related pay or deduction calculators.
- Keep a copy of the assumptions so you can compare the next tax year or pay period.
- If you are self-employed, compare this result with the self-employment tax calculator.
- Check whether a small pension contribution change moves take-home pay more than you expect.
Go deeper — 1 guide reference this calculator
Frequently asked
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