Calculate your capital gains tax on stocks, real estate, and investments. Includes federal and state taxes, short-term vs long-term rates, NIIT (3.8%), and primary residence exclusion.
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Calculate exactly how much capital gains tax you'll owe on stocks, real estate, or other investments. Our calculator covers 2025-2026 federal tax brackets, all 50 state tax rates, the 3.8% Net Investment Income Tax (NIIT), and special provisions like the primary residence exclusion. See the difference between short-term and long-term capital gains rates and discover potential tax savings.
Capital gains tax is charged on the profit from selling an asset. If you sell for more than you paid (your cost basis), you have a capital gain. The tax rate depends on how long you held the asset: short-term gains (≤1 year) are taxed as ordinary income (10-37%), while long-term gains (>1 year) enjoy preferential rates (0%, 15%, or 20%). High earners may also owe the 3.8% Net Investment Income Tax (NIIT).
Capital Gains Formula
Capital Gain = Sale Price - Cost Basis - Selling CostsCalculate both federal AND state capital gains taxes in one place. Includes all 50 states plus DC with accurate 2025-2026 rates.
See exactly how the 3.8% Net Investment Income Tax affects high earners ($200K+ single, $250K+ married filing jointly).
Compare short-term vs long-term rates side-by-side to optimize your selling strategy and maximize tax savings.
Apply the $250K/$500K primary residence exclusion (Section 121) and account for improvement costs and depreciation recapture.
Get accurate calculations for both 2025 and 2026 tax years with updated federal brackets.
Calculate your tax liability before selling investments. Determine if waiting to reach long-term status (>1 year) will save you money.
Estimate taxes on property sales including rental properties, vacation homes, or investment properties. Apply Section 121 exclusion for primary residences.
Crypto is taxed as property, not currency. Calculate your capital gains tax on Bitcoin, Ethereum, or other cryptocurrency profits.
Strategically plan which assets to sell before year-end. Use tax-loss harvesting to offset gains and minimize your tax bill.
Understand the tax implications of gifting or inheriting appreciated assets. Plan for step-up in basis at death.
It depends on your income level and holding period. For long-term gains: at $50K income (single), you'd pay $0 (0% bracket). At $100K income, you'd pay $15,000 (15% bracket). At $500K+ income, you'd pay $20,000 + 3.8% NIIT = $23,800. Short-term gains are taxed at your ordinary income rate (up to 37%).