★ free tool, 2026/27 tax year

Crypto CGT calculator: what do you owe?

Enter your total gains and losses for the year and your income. Everything is calculated in your browser, and nothing you type is sent or stored.

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Add up the gains from each disposal that made a profit. See below for how to work out a gain.

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Add up the losses from disposals that lost money, as a positive number.

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Unused losses from earlier years that you have already reported to HMRC.

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Salary, self-employed profit and other taxable income, not counting these gains. It decides how much of your gain is taxed at 18% and 24%.

Enter your total gains and your income to see an estimate.

This is an estimate for illustration, not tax advice. It uses the 2026/27 England, Wales and Northern Ireland income tax bands and ignores pension relief, Gift Aid and other deductions. Check the current figures on GOV.UK and speak to an accountant if you're unsure.

How crypto gains are taxed

HMRC treats cryptoassets as assets for Capital Gains Tax. Selling for pounds, swapping one token for another, and spending crypto are all disposals, so a swap can be taxable even if you never cashed out. You pay tax on your total gains for the year above the annual exempt amount, which is £3,000 for 2026/27 and can't be carried forward. The rates are 18% on the part of your gains within your remaining basic rate band and 24% on the rest.

How to work out a gain

For each disposal, the gain is your proceeds minus the allowable cost of the tokens you sold, minus allowable fees. The cost isn't always the price you paid for those exact tokens. HMRC matches disposals to purchases in a set order: first tokens bought on the same day, then tokens bought in the 30 days after, and then a pool holding the average cost of everything else of the same type. You can read the details in HMRC's cryptoassets manual. This calculator takes your gains and losses as inputs, so it doesn't do that matching for you.

How losses are used

Losses from disposals in the same tax year are set against that year's gains first. Losses brought forward from earlier years are then used only as far as needed to bring your gains down to the annual exempt amount. Losses generally need to be reported to HMRC to be carried forward, so check the current rules.

What this leaves out

It doesn't cover gains on other assets such as shares or property, income from staking or mining, which is taxed differently, or Scottish income tax bands. You may need to report your gains on a Self Assessment tax return.

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Questions people actually ask.

You can do. Crypto is treated as an asset for Capital Gains Tax, and you pay tax on your total gains in a tax year above the annual exempt amount. Selling, swapping one token for another and spending crypto are all disposals.
For 2026/27 the annual exempt amount is 3,000 pounds per person. It cannot be carried forward to a later year.
The rates are 18 percent on the part of your gains that falls within your remaining basic rate band, and 24 percent on the rest.
For each disposal, the gain is the proceeds minus the allowable cost of the tokens sold and any allowable fees. HMRC matches disposals to acquisitions using the same day rule, then the 30 day rule, then a section 104 pool of the remaining tokens.