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Capital Gains Tax Calculator

Estimate the federal tax owed on a capital gain from selling stocks, property, or other assets.

Income

Your income after deductions, not including this capital gain.

Gain

Enter your numbers and select Calculate to see results.

About This Calculator

This calculator estimates federal tax on a capital gain. Long-term gains (assets held over a year) use preferential 0%/15%/20% rates that stack on top of your other taxable income. Short-term gains (held one year or less) are taxed as ordinary income at your regular bracket rates. High earners may also owe the 3.8% Net Investment Income Tax (NIIT).

How This Is Calculated

Long-term gains stack on ordinary income and are taxed at 0%/15%/20% depending on which bracket the gain falls into.

0% bracket
Taxable income up to $49,450 (single) / $98,900 (MFJ) for 2026
15% bracket
Up to $545,500 (single) / $613,700 (MFJ)
20% bracket
Above those thresholds

With $70,000 in other income and a $20,000 long-term gain (single filer), the gain falls entirely in the 15% bracket, for about $3,000 in federal tax.

Assumptions

  • 2026 LTCG thresholds: 0% to $49,450 single / $98,900 MFJ; 15% to $545,500 / $613,700; 20% above (IRS Rev. Proc. 2025-32).
  • NIIT (3.8%) applies above $200,000 MAGI (single) / $250,000 MAGI (MFJ) — this calculator uses a simplified MAGI estimate.
  • Does not include state capital gains tax.
  • Assumes the gain is from a standard capital asset, not subject to special rates (e.g., collectibles at 28%, or Section 1250 real estate depreciation recapture).

Frequently Asked Questions

Long-term gains (assets held over a year) qualify for preferential 0/15/20% rates, while short-term gains are taxed as ordinary income at rates up to 37%. Holding an asset just a bit longer to cross the one-year mark can significantly reduce your tax bill.

Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.