Capital Gains Tax Calculator United States

Estimate US tax with this capital gains tax calculator. Compare long-term brackets for assets held over a year against short-term rates and see tax owed.

Capital Gains Tax Calculator United States
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Advanced options
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Capital gains tax —
Effective rate on gain —
After-tax gain —
Share of gain kept —
Saving vs ordinary rate —
Net taxable gain (after losses) —
State capital gains tax —
Total tax (federal + state) —
After-tax gain (incl. state) —

We always strive to use the latest data for every variable so our results and reports are as accurate as possible. Even so, errors are possible — you should not rely on this tool or its report alone, and we accept no liability for any decision made based on it.

What it does

The US Capital Gains Tax Calculator estimates the tax on a capital gain, using long-term capital gains brackets for assets held over a year or your marginal rate for short-term gains.

Data sources & parameters

The figures below drive this calculator. We keep them aligned with the latest official guidance, and each result recalculates automatically whenever a value changes.

ParameterValueSourceLast updated
LTCG 0%/15% and 15%/20% breakpoints, singleRate scheduleirs.govEffective 2026-01-01
LTCG breakpoints, married jointRate scheduleirs.govEffective 2026-01-01
LTCG breakpoints, married separateRate scheduleirs.govEffective 2026-01-01
LTCG breakpoints, head of householdRate scheduleirs.govEffective 2026-01-01
Long-term capital gains rate schedule (0%, 15%, 20%)Rate scheduleirs.govEffective 2026-01-01Seeded from the IRC 1(h) rate schedule as published in IRS Topic no. 409; the 15% and 20% rates were previously hardcoded in capital-gains-us and tax-loss-harvesting-us. Values unchanged.

We always strive to use the latest data for every variable so our results and reports are as accurate as possible. Even so, errors are possible — you should not rely on this tool or its report alone, and we accept no liability for any decision made based on it.

The formula

Long-term: gain × LTCG rate for your income; short-term: gain × marginal rate

How it works

Long-term gains use the 0/15/20% brackets based on taxable income; short-term gains are taxed at your ordinary marginal rate. The tool applies the right treatment to the gain.

Where it is used

  • Estimating capital gains tax before selling
  • Comparing short-term vs long-term treatment
  • Working out after-tax proceeds

Worked example

A $50,000.00 long-term gain for a single filer on $90,000.00 income is taxed … (an effective rate of …), leaving ….

What the capital gains tax calculator does

The US capital gains tax calculator estimates the tax you may owe when you sell an asset such as stocks, funds or property. It applies the long-term capital gains brackets for assets held longer than a year, or your ordinary marginal rate for short-term gains, and shows the estimated tax on your profit, so you can see before selling how much of the gain you keep.

How capital gains tax works in the US

A capital gain is the profit from selling an asset for more than its cost basis. The tax depends mostly on the holding period:

  • Short-term gains apply to assets held one year or less and are taxed as ordinary income at your marginal rate.
  • Long-term gains apply to assets held more than one year and qualify for preferential capital gains brackets, which are generally lower than ordinary income rates.

Selling just before or just after the one-year mark can change the rate applied to your entire gain. The holding period runs from the day after you acquire the asset to the day you sell it, so an asset held for exactly a year is still short-term, while one held for a year and a day is long-term. If you are close to the line, confirm the exact acquisition date before selling.

Short-term vs long-term: an example

Two investors have identical gains. One sells at eleven months and pays their ordinary marginal rate. The other waits past twelve months and pays the long-term rate, keeping noticeably more of the same profit. Toggle the holding period in the calculator to see the difference in estimated tax.

How to use the calculator

  1. Enter the sale price of the asset.
  2. Enter your cost basis, including purchase price and commissions.
  3. Indicate whether you held the asset more than one year.
  4. Provide your income so the correct rate can be applied.

The tool calculates your gain and estimates the tax using either the long-term brackets or your ordinary rate.

The role of cost basis

Your cost basis reduces your taxable gain. It generally includes:

  • The purchase price of the asset
  • Brokerage commissions and transaction fees
  • Certain adjustments, such as reinvested dividends for funds

Investors who do not track reinvested dividends often overstate their gain and overpay. Records kept from the day you buy can lower the tax when you sell.

How income affects long-term rates

Long-term capital gains rates are tiered by taxable income, so as income rises, long-term gains can move into a higher capital gains bracket. The year you sell therefore matters: a large gain realized in a lower-income year may stay in a lower bracket, while the same gain in a high-income year can be taxed at a higher rate.

Someone between jobs, recently retired, or in a low-income early-career year may be able to realize long-term gains at a lower rate than in peak earning years. Spreading the sale of a large holding over more than one tax year can also keep the gain from landing in a higher bracket all at once. These choices depend on your full income picture.

Planning around capital gains

  • Hold past one year where practical to get long-term rates.
  • Offset gains with losses realized in the same year to reduce the net taxable amount.
  • Choose the year of a large sale so the gain is not taxed at your highest possible rate.
  • Track basis carefully so you never pay tax on money that was already your own investment.

These are general considerations, not personalized advice.

Reading your result

Treat the output as a planning estimate, not a filed calculation. The tool uses the current brackets and thresholds, but your real liability depends on your complete return, including other income, deductions and capital losses. Use it to compare scenarios, such as selling now at your ordinary rate versus waiting for long-term treatment, or how a different income level changes the bracket. For any significant transaction, confirm your position with the IRS or a qualified tax professional before acting.

This article is general information only and is not financial advice.

About This Capital Gains Tax Calculator

Use this capital gains tax calculator to get an instant, accurate estimate. The figures follow official IRS guidance and every rate and threshold is kept up to date for 2026. Adjust the inputs above to match your situation, or browse all our calculators to plan your next step.

Tax year 2026

Frequently asked questions

How does the capital gains tax calculator work?
The calculator determines whether your gain is short-term or long-term from how long you held the asset. Long-term gains use the preferential capital gains brackets tied to your taxable income, while short-term gains are taxed at your ordinary marginal rate.
What is the difference between short-term and long-term gains?
Short-term gains come from assets held one year or less and are taxed as ordinary income. Long-term gains come from assets held more than one year and qualify for lower capital gains rates. The holding period usually has the largest effect on the tax.
What counts as the cost basis?
Your cost basis is generally what you paid for the asset plus commissions and certain adjustments. Subtracting the basis from the sale price gives your capital gain. A higher basis means a smaller taxable gain, so keep accurate records.
Do capital losses reduce my tax?
Yes. Capital losses can offset capital gains, and if losses exceed gains you may be able to deduct a limited amount against ordinary income and carry the rest forward. This calculator covers the gain itself, so factor losses in separately.
Does my income affect the long-term rate?
Yes. Long-term capital gains rates depend on your taxable income, which is why the calculator asks about your income. Higher income can push long-term gains into a higher capital gains bracket.

About the author

Taha Kheirandish

Written and reviewed by

Taha Kheirandish

Economics student and independent researcher

Taha Kheirandish reads tax codes the way other people read maps — to find out where a system actually leads, not where it claims to go.

He is an economics student, and his work here is comparative by design. A pension deferral bonus in Quebec, a commuting allowance in Germany, a rent-increase ceiling in the Netherlands: each is a decision a government made about how money should move, and each reads differently once you set it beside eight others. He builds and checks these calculators across nine markets from primary sources — the regulation rather than a summary of it, the ministry’s own circular rather than a news item quoting it.

That is the editorial standard of the site as well as his habit. Every rate, threshold and bracket here carries the document it was read from and the date it takes effect, and gets re-checked when the law moves rather than when someone happens to notice.

He is a researcher, not a licensed adviser, and nothing on this site is personal financial advice. It is arithmetic done carefully with its sources shown — so that you can check it, and take it to someone who is.

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