Work out the tax on profits from selling shares, funds or crypto in the UK, US, Ireland, Germany and France. Enter what you paid and what you sold for, and see your gain, allowance, tax due and net proceeds.
Your disposal
£
£
£
Used to set the rate band the gain falls into.
Capital gains tax due
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on a — gain · net proceeds —
You keep –Tax –
Total gain
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Tax-free allowance
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Taxable gain
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Effective rate on gain
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How the tax breaks down
Portion of gain
Rate
Tax
Total
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Capital gains tax at a glance — 2025/26
UK: £3,000 annual exempt amount; 18% within your basic-rate band, 24% above.
US: long-term gains taxed 0% / 15% / 20% by income; short-term taxed as ordinary income; possible 3.8% Net Investment Income Tax over $200,000 (single).
Real numbers make the rules click. Each example below is fully worked through — tap Load this example to drop the figures into the calculator above and explore variations.
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UK: selling shares on a mid salary
Priya earns a £40,000 salary (about £27,430 taxable after the personal allowance) and sells shares for £30,000 that she bought for £10,000 — a £20,000 gain.
Gain£20,000
Less annual exemption−£3,000
Taxable gain£17,000
£10,270 @ 18%£1,848.60
£6,730 @ 24%£1,615.20
CGT due£3,463.80
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US: the 0% long-term bracket
Marcus has $40,000 of taxable income and a $20,000 long-term gain. Because the 0% bracket runs to $48,350, part of his gain is taxed at nothing before the 15% rate kicks in.
Gain$20,000
$8,350 @ 0%$0.00
$11,650 @ 15%$1,747.50
CGT due$1,747.50
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Ireland: flat 33% rate
Aoife realises a €50,000 gain on an investment fund. Ireland charges a flat 33% above a small €1,270 annual exemption — regardless of her income.
Gain€50,000
Less exemption−€1,270
Taxable gain€48,730
CGT @ 33%€16,080.90
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Germany: Abgeltungsteuer on shares
Lukas makes a €10,000 profit on shares. Investment gains face a flat 25% plus the 5.5% solidarity surcharge (26.375% combined), after a €1,000 saver's allowance.
Gain€10,000
Less saver's allowance−€1,000
Taxable gain€9,000
Tax @ 26.375%€2,373.75
How capital gains tax is calculated
You are taxed on the gain, not the sale price. The gain is your sale proceeds minus what you paid plus allowable costs (broker fees, and in some countries improvement costs). Most countries then give a tax-free allowance before applying the rate.
Income-banded vs. flat-rate countries
The UK and US tie your CGT rate to your income: the more you earn, the higher the band your gain falls into. The UK applies 18% within your remaining basic-rate band and 24% above it; the US stacks long-term gains on top of your taxable income across 0%, 15% and 20% bands. Ireland (33%), Germany (≈26.375%) and France (30% flat tax) instead apply a single rate to investment gains regardless of income, which is why the income field is hidden for those countries.
Short-term vs. long-term
Holding period matters. In the US, assets held a year or less are "short-term" and taxed as ordinary income — often far higher than the long-term rates shown here. Germany taxes private sales of some assets tax-free after a holding period. Always check the holding-period rules for your asset class.
CGT is tax on the profit when you sell or dispose of an asset — shares, funds, crypto or property — for more than it cost you. You're taxed on the gain, not the total sale price.
What is the UK CGT allowance for 2025/26?
£3,000 for individuals. Gains within it are tax-free; above it, gains are taxed at 18% within your basic-rate band and 24% above.
Are US short-term and long-term gains taxed differently?
Yes. Long-term gains (held over a year) are taxed at 0%, 15% or 20% based on taxable income. Short-term gains are taxed as ordinary income at your normal rates.
Does this include the US Net Investment Income Tax?
Optionally — tick the box. The extra 3.8% can apply to investment gains once modified adjusted gross income exceeds $200,000 (single).
Does it cover crypto?
In most of these countries crypto disposals are treated as capital gains, so the same rates apply. Rules differ by country and change often — confirm with your tax authority.
Estimate only. Results are approximate and exclude reliefs, losses brought forward, special asset classes, holding-period rules and regional variations. The US figures use 2025 single-filer thresholds; UK figures are 2025/26. Tax rules change — verify with the official authority (IRS, HMRC, Revenue, Bundeszentralamt für Steuern, DGFiP). Not tax or financial advice.