Capital gains
You keep
Share link includes your inputs in the URL.
of a £20,000 gain · CGT bill £4,064 · effective 20.3%
2026/27 rates · Last checked · Sources visible below
Share matching not modelled
For shares, funds, ETFs and crypto, HMRC matching rules can change the gain: same-day acquisitions, 30-day bed-and-breakfast matching and the Section 104 pool are not calculated here.
Use this page for a simple disposal once you already know the matched cost basis. For trade-by-trade pooling, use a dedicated share matching calculator or an accountant.
Complex disposals note
This result is a single-disposal estimate. Multiple disposals, same-share matching, bed-and-breakfasting, pooled holdings, relief claims and non-residence can change the bill.
Gain breakdown
20.3% effective£15,936
£3,000
£49
£4,015
How the gain is taxed
The gain stacks on top of your income for band determination.
Total CGT £4,064
Split across two tax years?
Two AEAs of £3,000 means selling half before 6 April and half after could save tax.
Sell now (single tax year)
£4,064
Split across two years
£3,328
Splitting saves £736 by using two annual exempt amounts.
Where your tax goes
on £4,064 capital gains tax
Illustrative allocation only - UK taxes are not ring-fenced. Approximate share of UK central government spending, applied to your capital gains tax.
Per-capita weekly welfare spend: £246.1bn (PESA 2025, Social Protection excl. state pensions) ÷ 67.6M UK population ÷ 52 weeks ≈ £70/week. This is not a Universal Credit claimant's entitlement; the standard allowance for a single adult 25+ is ~£92/week.
View source ↗£866
Welfare
≈ 12 weeks of welfare per citizen
Per-citizen daily NHS spend: £241.8bn (PESA 2025, Health) ÷ 67.6M ÷ 365 ≈ £9.80/day. The average national contribution per person per day, not the cost of any specific treatment.
View source ↗£849
Health
≈ 87 days of NHS care (per citizen)
New State Pension full rate, 2026/27: £241.05/week (4.7% triple-lock increase from April 2026). HMRC sources the £137.8bn pensions outturn from OBR March 2025.
View source ↗£484
State Pensions
≈ 2 weeks of state pension
£124.7bn in 2024/25 of interest on UK government gilts. Rose sharply from 2022 with higher interest rates and inflation-linked gilts. Now larger than the entire defence budget.
View source ↗£439
National Debt Interest
DfE per-pupil revenue funding (~£7,400/year for state schools) ÷ 195 school days ≈ £38/day. A blended primary/secondary average. Total education spend in HMRC's category (£118.7bn) also covers higher education, further education, and early years.
View source ↗£419
Education
≈ 11 school days funded
£63.6bn in 2024/25. UK defence spending is committed to rise from ~2.3% of GDP toward 2.5% by 2027.
View source ↗£224
Defence
Categories and shares from HMRC's 2024/25 Annual Tax Summary methodology (PESA 2025 + OBR March 2025). Last reviewed 2026-04-29.
+ £788 across public order & safety, transport, business & industry and 6 more
Use this if
- You have one UK capital gain to estimate for 2026/27.
- You want to see the annual exempt amount and 18%/24% bands.
- You are checking a simple shares, crypto or residential property disposal.
Not for
- Multiple disposals with share pooling or 30-day matching.
- Business Asset Disposal Relief, EIS/SEIS deferrals or trusts.
- Non-UK residence, split-year treatment or mixed-fund cases.
Estimates for illustrative and educational purposes only. Calculations use HMRC published rates and are not regulated financial, tax, or legal advice. Verify against your own tax position before filing or making financial decisions.