Capital Gains Tax Calculator (2025-26)

What you paid for the asset
What you sold the asset for
How long you owned the asset
Used to determine your capital gains tax rate
Your state's capital gains tax rate (0% for no-tax states)

Results

    Capital Gains Tax: Short-Term vs. Long-Term

    When you sell an investment (like stocks, crypto, or real estate) for a profit, that profit is called a Capital Gain. The IRS taxes this differently depending on how long you held the asset.

    Time Matters: The 1 Year Rule

    • Short-Term (< 1 Year): Taxed as ordinary income. This means it is added to your salary and taxed at your regular bracket (up to 37%).
    • Long-Term (> 1 Year): Taxed at preferential rates (0%, 15%, or 20%). This is much lower than income tax rates, rewarding long-term investors.

    Strategies like tax-loss harvesting can help offset these gains. Use this calculator to estimate your potential liability before you sell.