Advertisement
Transaction Details
Step 1 of 2
Your Income (for LTCG bracket)
Step 2 of 2
Holding Period
Note: Long-term rates apply to assets held more than 1 year. Short-term gains are taxed at your ordinary income tax bracket (10–37%). Collectibles and real estate may have different rules (depreciation recapture, 28% max for collectibles, etc.). This calculator uses simplified logic.
2026 Long-Term Capital Gains Tax Brackets (Single)
0% rate$0 – $47,025
15% rate$47,026 – $518,900
20% rate$518,901+
NIIT 3.8%MAGI > $200k single / $250k MFJ
Advertisement
Frequently Asked Questions
The wash sale rule (IRS Pub 550) disallows a loss deduction if you buy a "substantially identical" security within 30 days before or after the sale. If triggered, the loss is added to your new position's cost basis. This calculator does not automatically apply wash sale adjustments — consult a tax professional if wash sales apply.
Short-term gains (assets held less than 1 year) are taxed at your ordinary income tax bracket — 10%, 12%, 22%, 24%, 32%, 35%, or 37% depending on your total income. Long-term gains (held over 1 year) get preferential rates: 0%, 15%, or 20% depending on your taxable income. Always prefer long-term when possible.
Maybe. NIIT is 3.8% on the lesser of your net investment income or the amount by which your MAGI exceeds $200,000 (single) or $250,000 (MFJ). It applies to interest, dividends, capital gains, rental income, and other investment income. High earners may owe this in addition to regular capital gains tax.
For real estate: If you owned the property over 1 year, long-term rates apply. However, there's no 0% rate for real estate — the minimum is 15%. Additionally, depreciation taken during ownership is "recaptured" at 25% when sold. Primary residence exclusion of $250k/$500k may apply if you lived in the home 2 of the last 5 years.
No. This calculator provides estimates for informational purposes only. Capital gains tax is complex and depends on many individual factors. Consult a qualified tax professional or CPA for advice specific to your situation.