Estimate your capital gains tax
Work out the Capital Gains Tax that might be due when you sell a property that is not your main home, using the rates and allowances for the 2026/27 tax year.
Costs of buying and selling include stamp duty, legal fees, survey fees and estate agency fees. Capital improvements are works that added value, such as an extension — not repairs, redecoration or maintenance. Joint ownership assumes an equal split, with each owner using their own annual exempt amount and their own income figure.
Estimated capital gains tax
£13,544
- Total gain
- £62,000
- Annual exempt amount
- −£3,000
- Taxable gain
- £59,000
- Taxed at 18%
- £10,270
- Taxed at 24%
- £48,730
- Gain after tax
- £48,456
- Effective rate on the gain
- 21.8%
The rates and allowances used
- Tax year
- 2026/27, for disposals from 6 April 2026
- Annual exempt amount
- £3,000 per person
- Rate within the basic rate band
- 18%
- Rate above the basic rate band
- 24%
- Basic rate band
- £12,570 to £50,270 of income
- Reporting deadline
- 60 days from completion
Since 6 April 2025 residential and non-residential gains have been charged at the same two rates, so there is no separate higher rate for property. Your gain is added on top of your income: whatever is left of your basic rate band is taxed at 18%, and anything above it at 24%. Where a UK residential property sale produces tax to pay, it must be reported and paid within 60 days of completion, using HMRC's Capital Gains Tax on UK property account.
This is an estimate only
This calculator gives a broad indication of Capital Gains Tax on a straightforward disposal of a UK residential property by a UK-resident individual. It is not tax advice, and it is not a calculation you should rely on when deciding whether to sell, what to accept or what to set aside.
It does not account for Private Residence Relief or lettings relief on a property that has been your home, periods of part-occupation or absence, transfers between spouses or civil partners, gifts, inherited property, properties held in a company or trust, non-resident owners, losses carried forward, the tapering of the personal allowance above £100,000, Scottish or Welsh income tax bands, or any other relief or charge that may apply to your circumstances.
Please obtain professional tax advice from a qualified accountant or tax adviser before acting on any figure shown here, and confirm the current rates and reliefs with HMRC or GOV.UK. Greykey Estates is an estate agency and does not provide tax advice.
Selling the home you live in? You will usually pay no Capital Gains Tax at all, because Private Residence Relief applies. Our guide to selling sets out what does apply.
Thinking of selling?
Book a free market appraisal and we will talk you through the figures, the likely buyer market and the costs of moving.
