United Kingdom Crypto Tax Calculator

Enter one trade to estimate the Capital Gains Tax and what you keep, in pounds. Uses 2026 to 2027 rates and the £3,000 tax-free allowance.

Your trade

Trade Information

Type any crypto asset. It only labels your results.

Price per unit when you bought.

Price per unit when you sold.

Units sold. Decimals are fine.

Exchange and network fees for the buy and the sell.

Tax Settings

Your income for the tax year before tax, not counting this gain. It decides how much of the gain is taxed at 18% and how much at 24%.

The yearly allowance is £3,000. Lower this if other gains have already used some of it.

Your results

Fill in your trade and choose Calculate Tax. Your figures appear here.

Total Buy Value

£0.00

Buy price × quantity

Total Sell Value

£0.00

Sell price × quantity

Capital Gain / Loss

£0.00

Sell value − buy value − fees

Tax-Free Allowance Used

£0.00

Up to £3,000 of gains a year

Capital Gains Tax

£0.00

18% or 24% of the taxable gain

Final Take-Home Amount

£0.00

Sell value − fees − Capital Gains Tax

An estimate for the 2026 to 2027 tax year. It uses the buy price you enter as the cost, so it does not apply HMRC's pooling, same-day or 30-day rules, and it leaves out your other gains and losses.

Where the sale value goes

Hover or tap a bar or segment for the exact amount.

Gain, Capital Gains Tax, fees and take-home

Amounts in pounds

Calculate a trade to draw this chart.

Share of the sale value

Capital Gains Tax, fees and take-home as percentages

Calculate a trade to draw this chart.

  • Capital Gains Tax£0.000%
  • Fees£0.000%
  • Take-Home Amount£0.000%

UK crypto tax rules

HMRC treats crypto as an asset. Selling it, exchanging it for another token, using it to pay for something or giving it away is a disposal for Capital Gains Tax.

Capital Gains Tax

18% or 24% on gains

  • The first £3,000 of gains is tax-free. The allowance covers your total gains for the tax year across all your assets, not each sale.
  • 18% within the basic rate band, 24% above it. Your taxable gain is added to your taxable income. Any part that falls within the £37,700 basic rate band is taxed at 18% and the rest at 24%.
  • Fees are allowable costs. Transaction fees for buying and selling can be deducted from the gain.
  • Crypto you earn is different. Mining and staking rewards and pay received in crypto are usually subject to Income Tax when you receive them.

Losses and reporting

Self Assessment

  • Losses reduce gains. A reported loss is deducted from your gains in the same tax year. Unused losses can be carried forward, and you can claim a loss up to four years after the end of the tax year.
  • Costs are pooled. Tokens of the same type share one pooled cost. Tokens bought on the same day as a sale, or within 30 days after it, are matched to that sale first.
  • Report it yourself. Gains go in the cryptoasset section of your Self Assessment return, or through HMRC's real time Capital Gains Tax service by 31 December after the tax year ends.
  • Platforms now collect data for HMRC. Since 1 January 2026, crypto platforms record user and transaction details under the Cryptoasset Reporting Framework, with first reports due by 31 May 2027.

2026 to 2027 figures used

For individuals, on assets other than residential property.

ItemFigure
Capital Gains tax-free allowance£3,000
Rate on gains within the basic rate band18%
Rate on gains above it24%
Basic rate band£37,700 of taxable income
Personal Allowance£12,570, reduced above £100,000 of income

The 2026 to 2027 tax year runs from 6 April 2026 to 5 April 2027. Capital Gains Tax uses the same rates and basic rate band across the UK, including for Scottish taxpayers.

Frequently asked questions

Short answers on crypto tax in the United Kingdom and on how this calculator gets its numbers.

HMRC treats crypto as an asset, so most people pay Capital Gains Tax on the gain when they dispose of it. Disposing means selling it, exchanging it for another token, using it to pay for goods or services, or giving it away. Crypto you earn, such as mining or staking rewards, is usually subject to Income Tax instead.

18% on the part of your taxable gain that falls within the basic rate band and 24% on the rest. Take someone earning £40,000 who sells 0.5 BTC bought at £40,000 per coin for £70,000 per coin, a gain of £15,000. After the £3,000 allowance, £12,000 is taxable: £10,270 at 18% and £1,730 at 24%, which comes to £2,263.80.

The Capital Gains tax-free allowance is £3,000 for the 2026 to 2027 tax year. It applies to your total gains from all assets in the year, so gains on shares or property use the same allowance.

Yes. Exchanging one token for another is a disposal of the first token at its value in pounds at that moment, so you can have a gain or loss even though you received no cash.

Yes. Transaction fees paid to buy and sell the tokens are allowable costs and reduce the gain. Costs you have already claimed against Income Tax cannot be deducted again.

Report it to HMRC and it is deducted from your gains in the same tax year. If you still have losses left over, they can be carried forward to later years. You can claim a loss up to four years after the end of the tax year in which it happened.

If you sell tokens and buy the same type again within 30 days, the sale is matched to that new purchase rather than to your pooled cost. It stops people selling at a loss and buying straight back to claim the loss. This calculator does not apply the rule, so enter the cost that HMRC's rules give you.

Yes. Your taxable gain sits on top of your taxable income, which is your income minus the £12,570 Personal Allowance. If the total stays within the £37,700 basic rate band, the whole gain is taxed at 18%. Any part above the band is taxed at 24%.

Through a Self Assessment tax return, which has a cryptoasset section, or through HMRC's real time Capital Gains Tax service by 31 December after the tax year ends. HMRC does not send a bill, so you need to work out and report the gain yourself.

It multiplies your buy and sell prices by the quantity and subtracts fees to get the gain. It takes off the tax-free allowance you have left, then places the taxable gain on top of your taxable income and applies 18% within the basic rate band and 24% above it. On a loss, tax is £0. Everything runs in your browser and nothing you type is sent to a server.

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