Row of British terraced houses with a sold sign

Updated for 2026/27 · Free

UK Capital Gains Tax on Property Calculator

Work out exactly how much CGT you owe on a house, flat or buy-to-let sale — with Private Residence Relief, joint ownership and your HMRC 60-day deadline.

Calculate my CGT

HMRC-aligned

Built on TCGA 1992 and HS283

Zero data stored

100% in-browser engine

60-day deadline

Exact date from completion

Accountant-ready

Print or download summary

Your property disposal

Results update instantly as you type.

Property values

Purchase price (or probate value)

Sale / disposal price

Capital improvements

Extensions, structural work — not repairs or decorating

Capital losses to offset

Buying costs

Stamp Duty Land Tax

Legal / conveyancing

Surveyor fees

Selling costs

Estate agent fees

Legal fees

EPC & other

Ownership & income

Jointly owned with spouse / civil partner (50/50)

Your annual income (before tax)

Sets how much of the 18% band remains

Private Residence Relief

I lived in this property as my main home at some point

Completion date

Date of completion

Property sale completion documents with calculator and keys

How property CGT is worked out

1. Gain: sale price minus purchase price, buying and selling costs and capital improvements.
2. Reliefs: Private Residence Relief for time it was your home, plus the final 9 months.
3. Allowance: deduct losses and the £3,000 annual exempt amount (each joint owner gets one).
4. Rates: 18% within your remaining basic band, 24% above.
5. Report: file and pay HMRC within 60 days of completion.

Read our full methodology →

Common questions

What is the CGT rate on residential property in 2026/27?

18% on gains within your unused basic rate band and 24% above it, after the £3,000 annual exempt amount.

When do I have to pay CGT on a property sale?

UK residents must report and pay within 60 days of the completion date using HMRC's UK property service.

Do I pay CGT on my own home?

Usually not. Private Residence Relief exempts the gain if it was your only or main home throughout ownership; otherwise relief is apportioned and the final 9 months always qualify.