Capital Gains Tax Calculator
Free capital gains tax calculator for 2025.
Capital Gains Tax Calculator USA (2025–2026)
Short-Term & Long-Term Federal Brackets, NIIT & Net Profit
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Capital Gains Tax Owed
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How to Use This Calculator
Formula:
Net Capital Gain = Sale Price − (Purchase Basis + Improvements + Commissions) | Short-Term: Ordinary Income Rates (10% to 37%) | Long-Term: 0%, 15%, or 20% + 3.8% NIIT (if MAGI > $200k Single / $250k MFJ)
- Input your gross sales proceeds (or selling price per share/unit) alongside your original acquisition purchase price (cost basis).
- Select your holding duration: Short-Term (held 1 year or less, taxed at ordinary income rates) or Long-Term (held strictly longer than 365 days, taxed at preferential capital gains rates).
- Choose your IRS tax filing status (Single, Married Filing Jointly, Married Filing Separately, or Head of Household) and enter your baseline annual taxable income.
- Add allowable transaction expenses, purchase commissions, legal fees, or documented capital improvements that step up your original cost basis.
- Review your net taxable profit, statutory federal capital gains bracket, 3.8% Net Investment Income Tax (NIIT) liability, and estimated state tax obligations.
Frequently Asked Questions
For 2025, long-term capital gains rates are: 0% for single filers with taxable income up to $48,350; 15% for income $48,351–$533,400; 20% for income above $533,400. Married filing jointly thresholds are $96,700 and $600,050.
You must hold an asset for more than 12 months (1 year + 1 day) to qualify for long-term capital gains rates. Assets held 12 months or less are taxed as short-term gains at ordinary income tax rates.
Yes. The IRS treats cryptocurrency as property, not currency. Selling, trading, or spending crypto triggers capital gains tax. Short-term gains (held ≤1 year) are taxed as ordinary income; long-term gains (held >1 year) get preferential rates.
High earners (single income >$200k, MFJ >$250k) owe an additional 3.8% Net Investment Income Tax on capital gains. This can bring the effective federal long-term capital gains rate to 23.8%.
Yes. Capital losses offset capital gains dollar-for-dollar. If losses exceed gains, up to $3,000 can be deducted against ordinary income per year, with the remainder carried forward indefinitely.