Capital Gains Tax Calculator
Calculate your capital gains tax on investment profits. Compare short-term and long-term rates based on your income and filing status.
Estimated Tax Owed
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Capital Gain
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Gain Type
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Tax Rate
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Return on Investment
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Net Profit (After Tax)
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How to Use the Capital Gains Calculator
- Enter purchase price: The original cost of your investment.
- Enter sale price: The price you sold (or plan to sell) the asset for.
- Select holding period: Short-term (1 year or less) or long-term (over 1 year).
- Enter your income: Your annual taxable income (excluding the gain).
- Select filing status: Your federal tax filing status.
- View results: See your estimated tax, rate, and net profit.
2026 Long-Term Capital Gains Rates
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 0% | Up to $48,350 | Up to $96,700 |
| 15% | $48,351 - $533,400 | $96,701 - $600,050 |
| 20% | Over $533,400 | Over $600,050 |
Frequently Asked Questions
What is the difference between short-term and long-term capital gains?
Short-term capital gains apply to assets held for one year or less and are taxed at your ordinary income tax rate (10-37%). Long-term capital gains apply to assets held for more than one year and benefit from lower preferential tax rates (0%, 15%, or 20%).
What is the Net Investment Income Tax (NIIT)?
High-income taxpayers may owe an additional 3.8% Net Investment Income Tax on capital gains if their modified adjusted gross income exceeds $200,000 (single) or $250,000 (married filing jointly). This is in addition to the regular capital gains tax rates.
Can capital losses offset gains?
Yes, capital losses can offset capital gains dollar for dollar. If your losses exceed your gains, you can deduct up to $3,000 per year ($1,500 if married filing separately) against ordinary income. Remaining losses can be carried forward to future tax years.