A quick estimate of the Capital Gains Tax you might owe on crypto in the UK. Enter your total gains for the year, your tax-free allowance and your Income Tax band. This is an estimate to help you plan — not tax advice.
These calculators are free educational tools that work only on the figures you type in. They don’t use live prices, don’t predict the future, and are not financial or tax advice. Crypto is high-risk and you can lose money. Always do your own research — see our Risk Disclaimer.
In the UK, selling, swapping or spending crypto can trigger Capital Gains Tax on the profit. The calculator subtracts your annual tax-free allowance from your total gains, then applies the CGT rate for your Income Tax band. Defaults reflect the 2025/26 position: a £3,000 annual exempt amount, and CGT rates of 18% (basic rate) and 24% (higher/additional rate) that took effect on 30 October 2024. Both fields are editable, so you can update them as rules change.
Real crypto tax is fiddlier than one number. Gains and losses are pooled across disposals, losses can offset gains, the “same-day” and “30-day” matching rules affect your cost basis, and some activity (mining, staking, airdrops) can be Income Tax rather than CGT. Near a band threshold, part of a gain can be taxed at 18% and part at 24%. This tool gives you a ballpark to plan with — for anything real, keep records and check GOV.UK or a qualified accountant.
Often, yes. HMRC treats most crypto disposals — selling, swapping one coin for another, or spending it — as potentially liable for Capital Gains Tax on the profit above your annual allowance. Some activity like staking or mining can count as income instead. This estimator covers the CGT case only.
No. It’s an independent educational estimate using the allowance and rate you enter. It doesn’t account for pooling, loss relief, matching rules or income-type crypto. It is not tax advice — check GOV.UK or a qualified accountant for your actual position.
Capital losses can usually be offset against gains and, if reported to HMRC, carried forward to future years. This simple estimator doesn’t model losses — it’s worth logging them properly, as they can cut a future tax bill.
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