Calculate the Capital Gains Tax on a UK property sale, including Principal Private Residence relief.
Enter purchase and sale prices
Use the actual prices paid and received, including any adjustments for part-exchange.
Add allowable costs
Include purchase costs (SDLT, legal fees, survey), sale costs (estate agent, legal fees), and genuine improvement costs (extensions, conversions — not repairs).
Enter main residence details if applicable
If the property was ever your main home, enter the months you lived there versus total months owned. The last 9 months of ownership are always exempt.
Review your CGT liability
See your gain, applicable reliefs, taxable amount, CGT due, and whether you need to report within 60 days.
Selling a second home or buy-to-let in 2026/27 means Capital Gains Tax at 18% or 24% on the gain above your £3,000 annual exemption, reported and paid within 60 days of completion. Full worked examples.
Selling a rental property while tenants are still living there doesn't change the Capital Gains Tax calculation, but it does affect the sale process and the 60-day reporting deadline. What matters in 2026/27.
What happens after you submit your Self Assessment return — refunds, balancing payments, amendments, HMRC enquiries, the SA302 for mortgages, and the 5-year record-keeping rule
Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.
