Capital Gains Tax Calculator
Calculate federal capital gains tax on investment sales. Compare short-term (ordinary income) vs long-term (0%, 15%, 20%) rates.
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Understanding Capital Gains Tax
Capital gains tax applies when you sell an investment for more than you paid. The tax rate depends on how long you held the asset and your income level. Short-term gains (held less than 1 year) are taxed as ordinary income (10-37%). Long-term gains (held 1+ year) enjoy preferential rates of 0%, 15%, or 20%.
2025-2026 Long-Term Capital Gains Brackets
0% rate: Single filers with taxable income up to $47,025; married up to $94,050. 15% rate: Single up to $518,900; married up to $583,750. 20% rate: Above those thresholds. An additional 3.8% Net Investment Income Tax applies to individuals with income above $200,000 (single) or $250,000 (married).
Tax-Loss Harvesting
You can offset capital gains with capital losses. If you sell investments at a loss, those losses reduce your taxable gains dollar-for-dollar. Up to $3,000 of net losses can be deducted against ordinary income each year, with excess losses carried forward to future years. Track your investments with our ROI Calculator.