How much of the gain on your old home is tax-free?
The gain on your home is tax-free for the time you lived there, plus the last 9 months. See what's left to tax.
Your answer
Enter the gain and how long you owned and lived in it.
About this calculator
For people selling a home they used to live in: moved out and let it, or kept it while living elsewhere.
What happens to your answers
We don’t keep them. Your answers go to our server to do the sums and aren’t stored or logged. If you copy a link to your answers, they’re in the link itself, so only share it with people you trust.
How it’s worked out
Private Residence Relief makes the gain tax-free for the share of time it was your main home. The last 9 months always count. Some time away counts too, if you lived there before and after. The rest of the gain, less the £3,000 tax-free allowance, is taxed at 18% or 24%.
Worked example
£115,000 of the £200,000 gain is tax-free. You'd pay about £19,664 Capital Gains Tax on the rest.
120 months owned · owned alone
| Gain (sale price less purchase price and costs) | £200,000 |
|---|---|
| Months that count as your home: 60 lived in + the final 9, of 120 | 57.5% |
| Tax-free as your home | − £115,000 |
| Gain left | £85,000 |
| Tax-free allowance | − £3,000 |
| At 18% (inside the basic-rate band) | £270 |
| At 24% | £81,730 |
| Capital Gains Tax | £19,664 |
Worked out using HMRC's Private Residence Relief rules and 2026/27 Capital Gains Tax rates.
Questions people ask
I let my home out after moving. Is that time taxed?
Yes, unless it falls in the final 9 months or a qualifying absence. Letting relief now only applies if you lived there with your tenant.
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