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CGT on a Rental Sale Calculator

Estimate the Capital Gains Tax on selling a rental property — including the annual exempt amount, the 18%/24% residential rates, and any private residence relief.

Legal fees, stamp duty paid, agent fees, capital improvements.
Sets how much gain is taxed at 18% vs 24%.

Enter the sale and purchase prices to estimate your CGT.

Based on 2026/27 UK tax rules · GOV.UK source · This is an estimate, not personal tax advice — always check your own circumstances with HMRC or a qualified accountant.

How CGT on a rental sale works

Your gain is the sale price minus what you paid, minus buying/selling costs and any capital improvements. You deduct the annual exempt amount, then the rest is taxed at 18% or 24% depending on how much of your basic-rate band is left after your other income. If the property was ever your main home, Private Residence Relief reduces the taxable gain.

This is an estimate of the headline position — it doesn’t cover lettings relief edge cases, jointly-owned splits, or losses brought forward. For anything material, take advice. Quarterwise focuses on your year-round income-tax record; speak to an accountant for a property sale.

Common questions

What rate of CGT do landlords pay on a property sale?
Residential property gains are taxed at 18% to the extent they fall in your remaining basic-rate band, and 24% above that. The rate depends on your other income in the year of sale.
How much is the CGT allowance?
The annual exempt amount is £3,000 (it was £6,000 in 2023/24 and £12,300 before that). Only the gain above this is taxable. Always check the current figure — it has changed recently.
What is Private Residence Relief?
If the property was ever your main home, the period you lived there — plus the final 9 months of ownership — is exempt from CGT. This tool pro-rates the relief across your ownership.
When do I report and pay?
CGT on UK residential property must generally be reported and paid within 60 days of completion, separately from your normal return.

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