Capital Gains Tax Calculator
Calculate the tax on your investment gains from stocks, crypto, real estate, or other assets. Understand the difference between short-term and long-term rates.
Tell us about yourself
Your filing status and income determine your capital gains tax rate.
Select the tax year of the sale
Filing Status
Your taxable income after deductions (wages, business income, etc., minus your standard or itemized deductions), not counting this sale. This determines your tax bracket.
Important Disclaimer
This calculator provides estimates based on federal tax rates for the tax year you select (2026 by default). State taxes, wash sale rules, and other factors may affect your actual tax liability. Cost basis calculations for inherited assets, gifts, and certain securities may have special rules.
Need personalized advice? Schedule an appointment with our team or contact us today.
Understanding Capital Gains Tax
Short-Term vs. Long-Term
Short-Term (1 year or less)
Taxed as ordinary income: 10% to 37%
Long-Term (more than 1 year)
Preferential rates: 0%, 15%, or 20%
Holding period is calculated from the day after purchase to the sale date.
2026 Long-Term Rates (Single)
Taxable income breakpoints from Rev. Proc. 2025-32 (IR-2025-103). Other filing statuses have higher breakpoints; the calculator applies the right ones for your status and year.
Net Investment Income Tax
An additional 3.8% tax applies to investment income if your modified AGI exceeds:
- • Single: $200,000
- • Married Filing Jointly: $250,000
- • Married Filing Separately: $125,000
This can bring the top rate to 23.8% (20% + 3.8%)
Capital Losses
If you sell at a loss, you can:
- • Offset capital gains dollar-for-dollar
- • Deduct up to $3,000 against ordinary income
- • Carry forward excess losses to future years
Need Help With Investment Taxes?
Our tax professionals can help you strategize timing of sales, maximize losses, and minimize your capital gains tax liability.