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Capital Gains Tax Calculator
Capital gains tax calculator estimate your tax liability from selling stocks, real estate, or other investments — including both short-term and long-term capital gains.
Investment Tax Calculator |
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| Filing Status | Single
Married Filing Jointly Married Filing Seperately Head of Household |
|
| Ordinary Income (annually) | $ | |
| Deduction | Standard Deduction
Itemized Deduction $ |
|
| Asset Sale Price | $ | |
| Asset Purchase Price | $ | |
| Capital Gains Tax | |
| Long Term Capital Gains Tax (> 1 Year) | |
| Short Term Capital Gains Tax (< 1 year) | |
| Capital Gains | |
| Federal Income Tax (Non-Capital Gains) | |
| Federal Income Tax | |
NIIT Tax Calculator |
|
| Net Investment Income Tax | |
Capital Gains Tax Rate 2026
| Filing Status | 0% Rate | 15% Rate | 20% Rate |
|---|---|---|---|
| Single | Up to $48,350 | $48,351 – $533,400 | Over $533,400 |
| Married filing jointly | Up to $96,700 | $96,701 – $600,050 | Over $600,050 |
| Married filing separately | Up to $48,350 | $48,351 – $300,000 | Over $300,000 |
| Head of household | Up to $64,750 | $64,751 – $566,700 | Over $566,700 |
| Tax Rate | Single Filers | Married Filing Jointly |
|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 |
| 12% | $11,926 - $48,475 | $23,851 - $96,950 |
| 22% | $48,476 - $103,350 | $96,951 - $206,700 |
| 24% | $103,351 - $197,300 | $206,701 - $394,600 |
| 32% | $197,301 - $250,525 | $394,601 - $501,050 |
| 35% | $250,526 - $626,350 | $501,051 - $751,600 |
| 37% | $626,351+ | $751,601+ |
| Tax Rate | Married Filing Separately | Head of Household |
|---|---|---|
| 10% | Up to $11,000 | Up to $15,700 |
| 12% | $11,001 - $44,725 | $15,701 - $59,850 |
| 22% | $44,726 - $95,375 | $59,851 - $95,350 |
| 24% | $95,376 - $182,100 | $95,351 - $182,100 |
| 32% | $182,101 - $231,250 | $182,101 - $231,250 |
| 35% | $231,251 - $346,875 | $231,251 - $578,100 |
| 37% | Over $346,875 | Over $578,100 |
Standard Deduction 2026
| Filing Status | Standard Deduction |
|---|---|
| Single | $15,000 |
| Married Filing Jointly | $30,000 |
| Married Filing Separately | $15,000 |
| Head of Household | $22,500 |
Long-Term vs. Short-Term Capital Gains
- Long-term capital gains (assets held over 1 year) are taxed at a maximum rate of 20%.
- Short-term capital gains (assets held under 1 year) are taxed as ordinary income, with a maximum rate of 37%.
Capital gains are not subject to Social Security or Medicare taxes. If you have no ordinary income, your capital gains also qualify for the standard deduction.
Example: Capital Gains Tax on a $200,000 gains (After Applying Standard Deduction)
- Single filer: $200,000 gains - $15,000 deduction = $185,000 taxable
- Married filing jointly: $200,000 gains - $30,000 deduction = $170,000 taxable
- Married Filing Seperately: $200,000 gains - $15,000 deduction = $170,000 taxable
- Head of Household: $200,000 gains - $22,500 deduction = $177,500 taxable
Tax Savings Example: Single filer with $80,000 ordinary income + $200,000 capital gains:
- Long-term tax: $30,000
- Short-term tax: $53,082
- Savings by holding >1 year:$23,082
State & Local Taxes: Most states tax capital gains, except: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Recommendation: Holding assets long-term (>1 year)can lead to significant tax savings. Use our capital gains tax calculator to compare short-term vs. long-term tax liabilities.
Net Investment Income Tax Rate 2026
The Net Investment Income Tax (NIIT) applies a 3.8% rate to individuals with investment income (such as capital gains, dividends, and interest) if their Modified Adjusted Gross Income (MAGI) exceeds certain thresholds. Key Features of the NIIT:
- Applies to the smaller of two amounts:
- Net investment income or
- Modified Adjusted Gross Income (MAGI) above these limits:
- $200,000 (Single Filers)
- $250,000 (Married Filing Jointly)
- $125,000 (Married Filing Separately)
- $200,000 (Head of Household)
- The NIIT applies on top of standard capital gains taxes and is calculated separately.
- No distinction between short-term and long-term holdings—unlike capital gains tax rates, which vary based on holding periods, the NIIT applies to all investment income.
For homesellers to calculate how much money they can receive from selling their home after taxes and fees are taken into account, use the home sale calculator. Real estate investors can also use the cap rate calculator to calculate the return rate of their rental property investments.
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