Tax Due
£5,263.80
Net Gain After Tax
£
Taxable Gain
£27,000.00
Effective Rate
%
Rates & sources2025/26
CGT at 18%/24% on all asset types post-30-Oct-2024 Budget (shares, crypto, residential property). BADR 14%, carried interest 32%. £3,000 Annual Exempt Amount.
Source: HMRC — Capital Gains Tax — figures refreshed at the start of each tax year.
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When to use this calculator
- Before accepting a pay change, bonus, pension contribution, or salary-sacrifice option.
- When you want to compare employed, self-employed, or dividend-based income scenarios.
- When you need a simple take-home estimate before running payroll or filing returns.
- When you are approaching the £100,000 income level and want to understand the personal allowance taper effect.
- When you are planning a salary sacrifice arrangement and need to see the net pay impact before agreeing terms.
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.
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 the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
Net Gain After Tax
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
Taxable Gain
Review this figure alongside your gross income so you can understand the true cost of deductions and plan around any thresholds before the tax year closes. If the figure looks higher than expected, check whether any pension or gift-aid contributions could reduce your taxable income.
Effective Rate
The effective rate lets you compare options on a true like-for-like basis rather than being misled by different compounding periods or fee structures. Use it to cut through headline marketing rates when shortlisting providers or products.
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 the National Insurance threshold changes that apply mid-year when rates or bands are adjusted in a Budget.
- !Assuming a salary sacrifice benefit reduces take-home pay by the full gross amount, rather than only the after-tax cost.
What to do next
- Check the same scenario with related pay or deduction calculators to see the full picture.
- Keep a copy of the assumptions you used so you can compare next tax year or pay period accurately.
- Read the related guides below if you are choosing between multiple income or deduction options.
- If you are self-employed, run the self-employment tax calculator alongside this result to compare the net position against employed income.
- Check whether increasing your pension contribution by even one or two percent changes the take-home significantly — use the pension calculator next.
Go deeper — 1 guide reference this calculator
Frequently asked
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