Capital Gains Tax Calculator 2026
This capital gains tax calculator estimates the federal tax on the profit from selling stocks, property, crypto or other assets. Enter what you paid, what you sold for, your selling costs, your filing status and your other taxable income, and choose whether you held the asset more than one year. The tool applies the 2026 long-term rates of 0%, 15% and 20%, or ordinary income rates for short-term gains, and can add the 3.8% net investment income tax for high earners. You get the tax owed, the effective rate and your profit after tax. State tax is not included, and results are estimates.
Capital Gains Tax Calculator
Estimate federal tax on a profit from selling stock, property or other assets.
How to use the Capital Gains Tax Calculator
- Enter the purchase price, sale price and any selling costs.
- Choose long-term (held more than one year) or short-term.
- Pick your filing status and enter your other taxable income.
- Enter your total income to check the 3.8% surtax threshold.
- Read the estimated federal tax, effective rate and profit after tax.
How the tax is figured
Gain = sale price − cost basis − selling costs. Long-term gains stack on top of your other taxable income: the part below the 0% limit is untaxed, the next part is taxed at 15%, and the rest at 20%. Short-term gains are added to ordinary income and taxed at your bracket rates. The 3.8% surtax applies to the lesser of the gain or the amount your MAGI exceeds $200,000 ($250,000 if married filing jointly).
Features
- 2026 long-term brackets of 0%, 15% and 20%
- Short-term gains taxed at ordinary rates
- Optional 3.8% net investment income tax
- Single, married filing jointly and head of household
- Effective rate and after-tax profit
- Copy and print
Frequently asked questions
What is the capital gains tax rate in 2026?
Long-term gains are taxed at 0%, 15% or 20% depending on taxable income. For a single filer, 0% applies up to $49,450 of taxable income and 15% up to $545,500, with 20% above that.
What is the difference between short-term and long-term gains?
A gain is long-term if you held the asset for more than one year. Long-term gains get lower rates, while short-term gains are taxed like ordinary income.
How do I calculate my capital gain?
Subtract what you paid, plus improvements and selling costs, from the sale price. The result is your gain or loss.
What if I sold at a loss?
A capital loss first offsets other capital gains. If losses are larger, up to $3,000 a year can reduce other income, with the rest carried forward. This calculator shows no tax on a loss.
Does this include state taxes?
No. Many states also tax gains. This estimate covers only federal income tax and the optional 3.8% net investment income tax.