Free tool
Capital Gains Tax on property calculator (UK)
Selling a property that isn't your main home? Estimate the CGT you may owe HMRC.
If CGT is due, UK residents generally report and pay within 60 days of completion. Non-resident rules differ.
Individual second-home / buy-to-let estimate. A qualifying main home may be exempt. Basic-rate mode may underestimate tax because part of the gain may be taxed at 24%; see the source notes.
Sources & review
Last reviewed:
Simplified individual estimate for 2026/27. Assumes the full £3,000 allowance is unused; excludes losses, other gains, ownership shares and reliefs. Basic-rate mode applies 18% to all taxable gain and may underestimate tax: part may be taxed at 24% when income plus gains exceeds the basic-rate band. Not suitable for estates, trusts or companies.
- HMRC — Capital Gains Tax rates
Individuals: 18% within the available basic-rate band and 24% above it; taxable income and gains must be considered together.
- HMRC — CGT allowances
The individual's annual tax-free allowance is £3,000; it is shared across gains for the tax year, not per property. Trusts have different rules.
- HMRC — Tax when you sell your home
Private Residence Relief can exempt a qualifying main home; second homes and let properties may create a taxable gain. Relief has conditions.
- HMRC — Reporting and paying CGT
UK residents with CGT to pay on a UK residential sale generally must report and pay within 60 days of completion. Non-resident reporting obligations differ.
Review dates record our source check, not the date a rule took effect. Rules can change; check the linked guidance before acting. Legal processes differ across the UK.