Capital Gains Tax Calculator
Estimate capital gains tax on investments or property.
Calculate short-term and long-term tax rates by income bracket.
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Estimated Capital Gains Tax
Capital gains tax is owed when you sell an asset for more than you paid for it. The gain is the difference between the sale price and the purchase price (cost basis).
Capital Gain = Sale Price − Purchase Price − Expenses
Two types of capital gains:
- Short-term: Assets held for 1 year or less. Taxed at your ordinary income tax rate (10% to 37%).
- Long-term: Assets held for more than 1 year. Taxed at preferential rates (0%, 15%, or 20%).
2024/2025 Long-term capital gains rates (US):
- 0% if taxable income is below $47,025 (single) or $94,050 (married filing jointly)
- 15% if taxable income is below $518,900 (single) or $583,750 (married)
- 20% if taxable income exceeds those thresholds
Additional considerations:
- Net Investment Income Tax (NIIT): An additional 3.8% surtax applies to investment income for individuals earning above $200,000 (single) or $250,000 (married).
- State taxes: Many states also tax capital gains. State rates vary from 0% to over 13%.
- Cost basis adjustments: Improvements to property, broker fees, and other costs can increase your basis and reduce taxable gain.
- Capital losses can offset capital gains. If losses exceed gains, up to $3,000 can be deducted from ordinary income per year.
This calculator provides a federal estimate only. Consult a tax professional for your specific situation.