US Capital Gains Tax Calculator
Estimate federal tax on a short-term or long-term capital gain from your income and filing status.
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How to do it
- 1Fill in the boxes
Type your numbers or pick the options you need.
- 2See the result
The answer updates right away as you change a value.
- 3Use it
Copy the result or note it down. Nothing is sent anywhere.
About this tool
Enter your taxable income, the gain, whether you held the asset more than a year and your filing status. Long-term gains are taxed at 0, 15 or 20 percent and short-term gains at ordinary rates, stacked on top of your income. Figures are for the 2026 tax year and can change. A guide only, check irs.gov or a tax professional.
Short and long term
Assets held for a year or less produce short-term gains that are taxed like ordinary income. Assets held longer than a year get the lower long-term rates of 0, 15 and 20 percent, based on your taxable income.
Example
A single filer with $80,000 taxable income and a $25,000 long-term gain pays 15 percent on the whole gain, about $3,750.
Not included
The 3.8 percent net investment income tax for high earners, state tax, collectibles at 28 percent and the home sale exclusion are not modelled.
Frequently asked questions
How long must I hold for the long-term rate?
More than one year, counted from the day after you buy to the day you sell.
Is there a 0 percent rate?
Yes, when your taxable income is below the threshold for your filing status.
Are losses deductible?
Capital losses offset gains, and up to $3,000 a year can reduce ordinary income. Net the losses before you enter the gain.
Does this include state tax?
No. Most states tax gains as ordinary income.