Finance category
Mortgage, loan, investing, tax, and money calculators.
Capital Gains Tax Calculator
Compute total capital gains tax on stocks, crypto, real estate, or other investments. Includes federal long-term/short-term, state, and the 3.8% NIIT for high-income filers.
long-term: 0%, 15%, 20%
Total capital gains tax
$9,200
20.0% of gain
Realized gain
$46,000
sale − basis
Federal + state + NIIT
$6,900 / $2,300 / $0
Net proceeds after tax
$78,800
How capital gains tax works
Long-term gains (held > 1 year) get preferential federal rates: 0%, 15%, or 20% based on income. State rates vary; NIIT adds 3.8% for high-income filers.
The federal long-term capital gains brackets for 2026: 0% up to $48,350 single ($96,700 joint); 15% up to $533,400 single ($600,050 joint); 20% above. Confirm your specific bracket.
How to Use
- Enter sale proceeds and adjusted cost basis.
- Pick whether you held more than 1 year (long-term) or less (short-term, ordinary rates).
- Enter your federal capital gains rate (0%, 15%, or 20% for long-term; ordinary rate for short-term).
- Enter state rate (0% in WA/FL/TX/etc.; up to 13.3% in CA).
- Toggle NIIT if your MAGI exceeds $200k single / $250k joint.
Frequently Asked Questions
What's the difference between long-term and short-term capital gains?
Long-term: held more than 1 year, taxed at 0/15/20% federal. Short-term: held ≤ 1 year, taxed as ordinary income (10–37% federal). The hold period is measured from the day after purchase to the sale date.
What is NIIT?
Net Investment Income Tax: 3.8% on net investment income for high-income filers (MAGI > $200k single / $250k joint). Applies on top of regular capital gains rates. Most high earners owe it on capital gains.
Do all states tax capital gains?
Most do. Notable exceptions: WA, FL, TX, NV, AK, SD, WY, NH, TN tax neither income nor capital gains as ordinary income (WA does have a high-end capital gains tax). CA taxes at top ordinary rate (up to 13.3%).
Can I offset gains with losses?
Yes — capital losses offset capital gains dollar-for-dollar within the same tax year. Excess losses can offset up to $3,000 of ordinary income per year, with carryforward for additional losses.
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