Capital gains tax calculator

Capital gains tax calculator: what it is for

Enter what you paid, what you sold for, how long you held the asset and your other taxable income. The calculator estimates the federal tax on the gain, stacking it on top of your other income to apply the right brackets: ordinary rates for short-term gains and the 0%, 15% and 20% rates for long-term gains, plus the 3.8% net investment income tax when it applies.

State taxes are not included.

How to use

1. Enter the purchase and sale price.
2. Choose short-term or long-term.
3. Enter your other taxable income and filing status.

When to use it

• Deciding when to sell stocks or crypto.
• Comparing selling now vs after one year.
• Estimating tax on a home or rental sale.

Frequently asked questions

What is the difference between short-term and long-term?

Assets held for one year or less are short-term and the gain is taxed like ordinary income (10% to 37%). Assets held for more than a year are long-term and get the lower 0%, 15% or 20% rates.

What are the 2026 long-term rates?

For single filers: 0% up to $49,450 of taxable income, 15% up to $545,500 and 20% above. For married couples filing jointly: 0% up to $98,900, 15% up to $613,700 and 20% above. Head of household: 0% up to $66,200 and 15% up to $579,600.

What is the net investment income tax?

An extra 3.8% on investment income when your modified AGI is above $200,000 (single or head of household) or $250,000 (married filing jointly).

What if I sold at a loss?

Losses offset gains first. If losses are larger, you can deduct up to $3,000 a year against other income and carry the rest forward.

Is it really free?

Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.

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