Capital Gains Tax Calculator
Estimate federal tax on selling stocks, funds or property at a gain in 2026.
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Tax on the gains
- Tax on long-term gain
- Tax on short-term gain
- Net investment income tax
- Effective rate on the gains
- Long-term gain by rate
- Work
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How Capital Gains Are Taxed in 2026
Long-term gains (assets held more than a year) get lower rates, stacked on top of your ordinary taxable income:
| Rate | Single | Married jointly | Head of household | Married separately |
|---|---|---|---|---|
| 0% | up to $49,450 | up to $98,900 | up to $66,200 | up to $49,450 |
| 15% | to $545,500 | to $613,700 | to $579,600 | to $306,850 |
| 20% | above | above | above | above |
Short-term gains are taxed at ordinary rates. The 3.8% net investment income tax applies to the smaller of investment income or modified AGI over $200,000 (single, head of household), $250,000 (joint) or $125,000 (separate); those thresholds aren’t indexed.
Worked Example
Tips
Collectibles (28%) and unrecaptured real estate depreciation (25%) have their own rates, and home sales can exclude up to $250,000/$500,000 of gain. Losses offset gains, and up to $3,000 of net loss offsets ordinary income. Not tax advice.