Calculate federal and state capital gains tax on stocks, real estate, or other investments. Compare short-term vs long-term rates, factor in the Net Investment Income Tax (NIIT), and see your net proceeds after tax.
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Short-term gains (held <1 year) are taxed as ordinary income (10-37%). Long-term gains (held >1 year) are taxed at preferential rates: 0% (income under ~$44k), 15% (~$44k-$492k), or 20% (above ~$492k) for single filers in 2024.
The NIIT is an additional 3.8% tax on investment income for individuals with modified AGI above $200,000 (single) or $250,000 (married filing jointly). It applies on top of regular capital gains tax.
Strategies include holding investments over 1 year for long-term rates, tax-loss harvesting to offset gains, using tax-advantaged accounts (IRA, 401k), and timing sales in lower-income years.
Yes, the Capital Gains Calculator is 100% free to use with no limitations. There is no registration required, no daily usage caps, and no hidden fees. You can use it as many times as you need.
The Capital Gains Calculator uses industry-standard formulas and algorithms to deliver reliable results. While the tool is designed for accuracy, results should be used as estimates and guidance. For critical decisions, always consult a qualified professional.
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Calculate federal and state capital gains tax on stocks, real estate, or other investments. Compare short-term vs long-term rates, factor in the Net Investment Income Tax (NIIT), and see your net proceeds after tax.
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Your taxable income excluding capital gains
Capital Gain
$25,000.00
Long-Term | Single
Federal Tax
$3,750.00
15.00% rate
Total Tax
$3,750.00
15.00% effective
Net Proceeds
$71,250.00
NIIT (3.8%)
$0.00
Does not apply
NIIT Threshold (Single)
$200,000
Your Total Income (incl. gains)
$110,000
NIIT Status
Does Not Apply
The 3.8% NIIT applies to the lesser of your net investment income or the amount by which your modified adjusted gross income exceeds the threshold for your filing status.
Short-Term (<1 year)
Federal Rate
24.00%
Federal Tax
$5,689.50
Total Tax
$5,689.50
Net Proceeds
$69,310.50
Effective Rate
22.76%
Long-Term (>1 year)(selected)
Federal Rate
15.00%
Federal Tax
$3,750.00
Total Tax
$3,750.00
Net Proceeds
$71,250.00
Effective Rate
15.00%
Long-Term Savings
By holding for more than one year, you would save $1,939.50 in taxes, keeping $1,939.50 more in net proceeds.
| Rate | Taxable Income Range | Your Status |
|---|---|---|
| 0% | $0 - $47,025 | |
| 15% | $47,025 - $518,900 | Your bracket |
| 20% | $518,900 - No limit |