Capital Gains Tax Calculator
Enter your wages and other income, your long-term gains and your short-term gains, then pick the tax year and your filing status. The tool shows your federal tax, splits the long-term gains into the parts taxed at 0%, 15% and 20%, adds the 3.8% net investment income tax when it applies, and shows how much the lower rates saved you. Everything runs in your browser.
Where your long-term gains fall
| Rate | Gains at this rate | Tax |
|---|---|---|
| 0% | 5,550.00 | 0.00 |
| 15% | 14,450.00 | 2,167.50 |
| 20% | 0.00 | 0.00 |
Taxable income is 63,900.00. The 0% rate applies up to 49,450.00 of taxable income and the 15% rate up to 545,500.00 for this filing status, and gains sit on top of your ordinary income.
An estimate of US federal tax on capital gains for 2025 and 2026. It does not cover the higher rates on collectibles (28%) and unrecaptured section 1250 gain (25%), qualified small business stock, capital losses and loss carryovers, gains on a main home, state tax, credits or the alternative minimum tax. Qualified dividends are taxed like long-term gains, so you can add them to the long-term field. The net investment income tax here treats your gains as your only investment income. It is not tax advice.
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Math & MoneyAbout the Capital Gains Tax Calculator
A gain on an asset you held for more than one year is long-term, and it is taxed at 0%, 15% or 20% depending on your taxable income. A gain on an asset held one year or less is short-term and is taxed like ordinary income. Long-term gains sit on top of your other taxable income, so the rate depends on where they fall. For a single filer in 2026, the 0% rate applies up to 49,450 of taxable income and the 15% rate up to 545,500. Take 60,000 of pay and 20,000 of long-term gains: after the 16,100 standard deduction the taxable income is 63,900, of which 43,900 is ordinary income taxed at 5,020.00. The gains fill the space from 43,900 to 63,900, so 5,550 is taxed at 0% and 14,450 at 15%, which is 2,167.50. The total is 7,187.50, against 8,770.00 if the gains had been ordinary income. Higher earners can also owe the 3.8% net investment income tax on the smaller of their investment income and the income above 200,000 (250,000 if married filing jointly, 125,000 if married filing separately). The thresholds come from IRS Revenue Procedures 2024-40 and 2025-32 and from IRS Topic 559. We checked 20,000 random cases against the IRS Qualified Dividends and Capital Gain Tax Worksheet and found no differences. It does not cover collectibles, unrecaptured section 1250 gain, capital losses, home sales, state tax or credits. Nothing is uploaded.
What are the long-term capital gains tax rates for 2026?▾
The rates are 0%, 15% and 20%, and they depend on taxable income. For a single filer in 2026, 0% applies up to 49,450, 15% up to 545,500 and 20% above that. For married couples filing jointly the limits are 98,900 and 613,700, for heads of household 66,200 and 579,600, and for married filing separately 49,450 and 306,850.
What counts as a long-term gain?▾
A gain on an asset you held for more than one year before selling it. If you held it for one year or less, the gain is short-term and is taxed as ordinary income at your usual bracket rates, which are higher for most people.
Do capital gains stack on top of my other income?▾
Yes. Your ordinary taxable income is taxed first, and the long-term gains fill the space above it. A gain can therefore be split between rates. With 43,900 of ordinary taxable income, a single filer in 2026 pays 0% on the first 5,550 of gains and 15% on the rest, up to the 15% limit.
What is the net investment income tax?▾
It is a 3.8% tax on the lesser of your net investment income and your modified adjusted gross income over a threshold: 200,000 for single filers and heads of household, 250,000 for married couples filing jointly and 125,000 for married people filing separately. This tool treats your gains as your only investment income.
Does the calculator cover losses, collectibles or selling a home?▾
No. It does not handle capital losses and carryovers, the 28% rate on collectibles, the 25% rate on unrecaptured section 1250 gain, qualified small business stock, or the exclusion on the sale of a main home. Qualified dividends are taxed like long-term gains, so you can add them to the long-term field.