Capital Gains Tax Calculator
Calculate taxes on investment gains
$
$
Long-term
$
Before capital gains
Capital Gain
$5,000.00
Long-term
Tax Rate
15%
Long-term rate
Tax Amount
$750.00
Federal tax on gain
Net Proceeds
$14,250.00
After tax
Gain Calculation
Sale Price: $15,000.00
- Cost Basis: $10,000.00
= Capital Gain: $5,000.00
Long-Term (12+ months)
Preferential tax rates: 0%, 15%, or 20% based on income
Currently qualifies
Short-Term (<12 months)
Taxed as ordinary income at your marginal rate
Long-Term Capital Gains Brackets (2026) - Single
| Tax Rate | Income Range |
|---|---|
| 0% | $0.00 - $49,450.00 |
| 15% | $49,450.00 - $545,500.00 |
| 20% | $545,500.00 - and above |
Tax-Saving Strategies
- Hold investments for at least 12 months to qualify for long-term rates
- Consider tax-loss harvesting to offset gains with losses
- Use tax-advantaged accounts (401k, IRA) for frequent trading
- Time sales to years with lower income when possible
- High earners may owe an additional 3.8% Net Investment Income Tax
Calculator Assumptions
- Tax year: 2026 federal capital gains brackets
- Holding period: 12+ months qualifies for long-term rates; short-term taxed as ordinary income
- NIIT: 3.8% Net Investment Income Tax not included (applies above $200k/$250k AGI)
- State taxes: Not included; many states tax capital gains as ordinary income
- Collectibles: Art, coins, and collectibles taxed at 28% max (not modeled)
- Real estate: Depreciation recapture taxed at 25% (not modeled)
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