Capital Gains Tax Calculator

Assets held over a year qualify for preferential long-term capital gains rates (0%, 15%, or 20%), while assets held a year or less are taxed as ordinary income at your regular federal rate — which can be more than double the long-term rate.

Long-term capital gains are taxed based on your total taxable income, filling up the 0%, then 15%, then 20% brackets starting from where your ordinary income already sits — so a large gain can push some of itself into a higher rate even if your regular income alone would qualify for 0%.

An additional 3.8% tax on investment income (including capital gains) for higher earners — above $200,000 of income (single) or $250,000 (married filing jointly). It applies on top of the regular capital gains tax.

No — this is federal tax only. Many states tax capital gains as ordinary income at the state level, so your total tax bill will likely be higher than shown here.