Capital Gains Tax Calculator (Stocks, Crypto, Real Estate)
Calculate short-term vs long-term federal capital gains tax, state tax rates, 3.8% NIIT surtax, and net profit proceeds after sale.
Calculated Results
Frequently Asked Questions
What is the difference between short-term and long-term capital gains tax?
Assets held for 1 year or less are short-term capital gains and taxed at your ordinary federal income tax bracket (10% to 37%). Assets held for longer than 1 year qualify for preferential long-term capital gains tax rates: 0%, 15%, or 20% depending on taxable income.
What are the 2026 federal long-term capital gains brackets?
For Single filers: 0% tax on gains up to ~$47,025; 15% tax on income between $47,026 and $518,900; 20% tax on income above $518,900. For Married Filing Jointly: 0% up to $94,050; 15% up to $583,750; 20% above $583,750.
What is the Net Investment Income Tax (NIIT)?
The NIIT is an additional 3.8% surtax created by the Affordable Care Act that applies to net investment income (capital gains, dividends, rental income) for single filers with Modified AGI over $200,000 ($250,000 for married couples).
How can you offset capital gains with tax-loss harvesting?
You can offset unlimited capital gains dollar-for-dollar with realized capital losses from other investments. If losses exceed gains, you can deduct up to $3,000 against ordinary income per tax year, carrying forward any remaining losses indefinitely.