Pro Tool
Calculate Your CGT. Before You Sell.
The UK property investor's Capital Gains Tax calculator — gain calculation, annual allowance, tax rates, reliefs, and the 60-day reporting deadline.
Unlock Property Gains TaxTax Calculation
Too many investors discover their CGT bill after they've already sold. Propty calculates the tax before you commit — showing the gain, allowable deductions, annual exempt amount, and the final tax due at the correct rate for your income level.
Reliefs & Allowances
Private Residence Relief can exempt your main home entirely. Lettings relief may apply if you've lived in the property and let it. Improvement costs (not repairs) reduce the gain. Propty checks every relief and deduction to ensure you pay no more than you legally owe.
UK residential property CGT rates for 2026/27 are 18% for basic-rate taxpayers and 24% for higher/additional-rate taxpayers. Since October 2024 these are the same rates that apply to most other assets. The annual exempt amount is £3,000. Our calculator applies the correct rate based on your total taxable income.
Usually no — your main residence is exempt from CGT under Private Residence Relief (PRR). However, if you've let part of it, used it for business, or been absent for extended periods, a portion of the gain may be taxable. The final 9 months of ownership are always exempt.
Allowable deductions include: SDLT paid on purchase, solicitor fees (buying and selling), estate agent fees, capital improvements (extensions, new kitchen — but not repairs or maintenance), and the cost of any professional valuations. These are deducted from the sale price to reduce your taxable gain.
Yes — since April 2020, UK residential property sales that result in a CGT liability must be reported to HMRC within 60 days of completion, and a payment on account made. Late reporting incurs penalties starting at £100. Our tool flags the deadline based on your completion date.
Strategies include: claiming all allowable costs and improvements, using your annual exempt amount (£3,000), transferring property to a spouse before sale to use two allowances, timing the sale across tax years, and ensuring Private Residence Relief is maximised. Our tool models these scenarios.