US Capital Gains Tax Calculator

Enter your other income and your gains or losses. See the tax at the short term and long term rates and the 3.8% net investment income tax.

Ce contenu est en anglais.

Filing status

Other income for the year ($)

Short-term gain or loss ($)

Long-term gain or loss ($)

Other investment income ($)

This is an estimate for the 2026 tax year and is not tax advice. Gains on assets held a year or less are short term and taxed as ordinary income. Gains on assets held longer are long term.

Exemples détaillés

$20,000 long-term gain, $85,000 other income

Single, other income $85,000, long-term gain $20,000

$3,000.00 tax on the gain

Taxable ordinary income is $68,900, which is above the $49,450 zero rate limit, so the whole gain is taxed at 15%. Total federal tax is $12,870.00 and there is no net investment income tax.

$100,000 long-term gain, $180,000 other income

Single, other income $180,000, long-term gain $100,000

$18,040.00 tax on the gain

The gain is taxed at 15%, which is $15,000. Modified adjusted gross income is $280,000, which is $80,000 over $200,000, so the net investment income tax is $3,040.00.

À propos de US Capital Gains Tax Calculator

This US capital gains tax calculator estimates the federal tax on selling investments or other assets in 2026. Enter your filing status, your other income and your short-term and long-term gains or losses. It taxes short-term gains as ordinary income, long-term gains at 0%, 15% or 20%, and adds the 3.8% net investment income tax when your income is high enough.

Gains on assets you held for a year or less are short term. Gains on assets held longer are long term and get the lower rates. For 2026 a single filer pays 0% on long-term gains up to $49,450 of taxable income and 15% up to $545,500. For married couples filing jointly the limits are $98,900 and $613,700, and for heads of household $66,200 and $579,600. The calculator stacks your gains on top of your ordinary income to find which rates apply, nets losses against gains and allows up to $3,000 of any remaining loss against other income.

Comment utiliser US Capital Gains Tax Calculator

Choose your filing status and enter your other income for the year.
Enter your short-term and long-term gains, using a minus sign for a loss.
Add any other investment income such as interest and dividends.
Read the tax on your gains, the net investment income tax and the total federal tax.

Usages courants

Estimating the tax on selling shares or funds
Seeing whether waiting a year moves a gain to a lower rate
Checking if you owe the net investment income tax
Planning how much of a gain to take in a low-income year

Sources

Dernière vérification le 15 octobre 2026.

Questions fréquentes

What are the long-term capital gains rates for 2026?

The rates are 0%, 15% and 20%. For a single filer the 0% rate applies up to $49,450 of taxable income and the 20% rate starts above $545,500. The limits for other filing statuses are higher or lower as shown on this page.

What is the net investment income tax?

It is a 3.8% tax on the smaller of your net investment income and the amount your modified adjusted gross income is over $200,000 for single filers and heads of household, $250,000 for married filing jointly or $125,000 for married filing separately.

How are capital losses handled?

Short-term and long-term losses first offset gains. If you still have a net loss you can deduct up to $3,000 a year against other income, or $1,500 if married filing separately, and carry the rest forward.

Does this cover my home sale or qualified dividends?

No. Home sale exclusions, collectibles, real estate depreciation and qualified dividends have their own rules that are not included.