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CGT Property & Share Worksheet 2026/27
Estimate your Capital Gains Tax on a property or share sale, including Private Residence Relief and the annual exemption.
What’s Included
- Cost base inputs — purchase price, purchase fees, and capital improvements (like an extension) all feed into your total cost base.
- Sale proceeds inputs — sale price and selling fees, giving your net proceeds.
- Private Residence Relief — enter what percentage of your ownership period the property was your main home, and the worksheet excludes that portion of the gain automatically.
- Annual exemption — the 2026/27 £3,000 CGT exempt amount is built in and deducted automatically from your taxable gain.
What This Worksheet Doesn’t Cover
- It calculates your taxable gain, not the final tax bill — the actual CGT rate (18% or 24% for residential property, depending on your income tax band) is not applied here, since that depends on your total income for the year.
- Share disposals have separate share-matching rules (same-day, 30-day, and Section 104 pooling rules) that this worksheet does not model — it is best suited to straightforward property or single-holding share disposals.
- It does not account for CGT reliefs beyond PRR, such as lettings relief or business asset disposal relief.
Frequently Asked Questions
Private Residence Relief (PRR) exempts some or all of the gain on a property that has been your main home for some or all of the time you owned it. If it was your only home for the whole ownership period, the gain is typically fully exempt.
The annual exempt amount for 2026/27 is £3,000 per person. Gains up to this amount in a tax year are not subject to CGT.
No, it calculates your taxable gain after reliefs and the annual exemption. The actual CGT rate depends on your total taxable income for the year (basic rate vs higher rate), which this worksheet does not calculate.
Yes, completely free with no email signup required.
Sources
- CGT rates and exemption from GOV.UK — Capital Gains Tax (checked 2026)
- Private Residence Relief from GOV.UK — Tax when you sell your home