Capital gains
Capital gains
You keep
of a £20,000 gain · CGT bill £4,064 · effective 20.3%
2026/27 rates · Last checked · Sources in page details
Quick estimate. If you have multiple buys and sells for the same holding, use the Share & Fund CGT calculator instead. It does the HMRC same-day, 30-day and Section 104 pool matching for you.
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
Categories and shares come from HMRC's 2024/25 Annual Tax Summary methodology, using PESA 2025 and OBR March 2025 figures. The government does not set aside your exact tax for these areas, so this is only an estimate. Last reviewed 29 April 2026.
View source ↗on £4,064 capital gains tax
This is an estimate. The government does not set aside your exact tax for these areas.
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
+ £788 across public order & safety, transport, business & industry and 6 more
Estimates onlyShowHide
Calculations use HMRC published rates for education and illustration. They are not regulated financial, tax, or legal advice. Verify against your own tax position before filing or making financial decisions.
More guides and tools
2 related links
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More guides and tools
2 related links
Background reading
Capital Gains Tax in the UK
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Background reading
Capital Gains Tax in the UK
CGT is paid on profits from selling assets: shares, crypto, second homes, business interests and more. October 2024 reforms raised the rates to 18% and 24% across most asset types, while keeping the £3,000 annual exempt amount.
What is the UK Capital Gains Tax allowance for 2026/27?
The annual exempt amount is £3,000. Gains above that are taxable. The allowance can't be carried forward: if you don't use it in a tax year, you lose it.
What CGT rates apply for 2026/27?
Gains on shares, crypto and other assets are taxed at 18% (basic rate) or 24% (higher/additional). Residential property has used 18%/24% since the October 2024 reform. Business Asset Disposal Relief is now 18% on the first £1m of qualifying lifetime gains, raised in stages from the historic 10% (10% → 14% in April 2025 → 18% from April 2026).
Can I split a gain across two tax years to save tax?
Yes. Selling part of an asset before 6 April and the rest after gives you two £3,000 annual allowances. The Afterax CGT calculator shows the saving when this strategy applies to your gain.
What is the 60-day reporting rule for property?
Disposals of UK residential property must be reported and the CGT paid within 60 days of completion using HMRC's Capital Gains Tax on UK Property service, which is separate from Self Assessment.
How does the 30-day rule affect crypto and shares?
If you sell shares or cryptocurrency and buy back the same asset within 30 days, the new acquisition cost is matched against the disposal, preventing 'bed and breakfasting' to crystallise losses.