Free tool
Capital gains tax
on property
Estimate the CGT you'll owe when selling a second home, buy-to-let or inherited property in the UK — using 2025/26 rates and the £3,000 annual allowance.
Sale
Original cost base
Your tax position
Important: this is not tax advice
This tool is for general information only. It is not tax advice within the meaning of s.55 Finance Act 2014 and is not a substitute for a CIOT- or ICAEW-qualified accountant. If the property was your only or main home for the entire ownership, Private Residence Relief usually means no CGT is due — use this calculator only where PRR does not apply in full. For your personal position consult a qualified tax adviser.
Estimated CGT due
£30,000
Total gain
£128,000
Rate
24%
Net after CGT
£413,000
When CGT applies
Second homes, buy-to-let, inherited property you never lived in, or a main home that was let out for part of the ownership. Your only-or-main home usually qualifies for full Private Residence Relief — no CGT due.
Joint ownership
Married couples and civil partners can transfer ownership between themselves with no CGT before sale, often doubling the £3,000 allowance. Worth speaking to an accountant if the gain is large.
Don't miss the 60-day deadline
You must report and pay CGT on UK residential property within 60 days of completion. Late filing penalties are automatic and add up quickly.
Estimates only and not regulated tax advice. CGT has many edge cases (lettings relief, non-resident rules, gifts, inherited cost bases). Confirm the legal figure with a qualified UK tax adviser before filing.