UK Capital Gains Tax Calculator (2026/27) — Property vs Shares & Funds

Calculate your net chargeable gain after deducting purchase costs, improvement expenses, and the £3,000 Annual Exempt Amount. Automatically splits gains across the £50,270 Basic (18%) and Higher (24%) tax bands.

Asset Class / Tax Band	Annual Exempt Allowance	2026/27 CGT Rate
Basic Rate Taxpayer (Total Income <= £50,270)	£3,000 tax-free	18% on Residential Property & Shares
Higher / Additional Rate (Income > £50,270)	£3,000 tax-free	24% on Residential Property & Shares
Main Home (Private Residence Relief)	100% Exempt	0% CGT
Assets Held in UK ISA / SIPP	100% Exempt	0% CGT

Frequently Asked Questions (2026/27 & 2027/28 UK Rules)

What is the UK Capital Gains Tax allowance for 2026/27?

Every individual has an Annual Exempt Amount of £3,000 per tax year. Only net gains above £3,000 are subject to Capital Gains Tax.

What are the 2026/27 Capital Gains Tax rates?

Taxable gains above £3,000 are charged at 18% within the Basic rate band and 24% in the Higher and Additional rate bands for both shares and residential property.

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