UK Capital Gains Tax Calculator
Calculate CGT on shares, property and other assets after the £3,000 annual allowance at 2024+ rates.
Asset Details
CGT Payable
Total CGT
£3,764
Effective rate: 18.82%
Gross Gain
£20,000
Allowance
£3,000
Taxable Gain
£17,000
Basic Rate Band
£5,270
Higher Rate Band
£11,730
After-Tax Gain
£16,236
UK CGT bands (post 30 October 2024)
- £3,000 annual exemption — gains up to this amount are tax-free
- 18% basic rate — for gains falling within unused basic-rate income tax band
- 24% higher rate — for gains above the basic-rate band
What counts as a chargeable asset?
Shares (non-ISA), funds (non-ISA), second homes, buy-to-let property, collectibles, cryptocurrency, business assets. Your primary residence is exempt under Private Residence Relief. Transfers between spouses are tax-free.
Tax-smart moves
- Bed & spouse: transfer before selling to use spouse\'s allowance + lower band
- Crystallize gains up to the £3k allowance each tax year (April-April)
- Offset losses against gains; carry unused losses forward indefinitely
Frequently Asked Questions
Everything you need to know, in one place.
What are current UK CGT rates?
Post 30 October 2024: 18% basic rate, 24% higher rate — applied to all assets including property (previously property was 18%/24% and shares 10%/20%, now unified).
What is the annual CGT allowance?
£3,000 per tax year (down from £6,000 in 2023-24 and £12,300 in 2022-23). Gains below this amount are tax-free. You cannot carry forward unused allowance.
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