Capital Gains Tax Calculator 2026
Calculate your capital gains tax on stocks, real estate, crypto, or any asset. Uses 2026 IRS tax brackets. See your net proceeds after federal tax.
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$10,500
Estimated Federal Tax Owed
Long-term 15% rate
$70,000
Capital Gain
15%
Tax Rate
$109,500
Net Proceeds
Sale Price$120,000
Cost Basis$50,000
Selling Expenses$0
Net Capital Gain$70,000
Holding PeriodLong-term
Capital Gains Tax Rate15%
Federal Tax Owed$10,500
Net Proceeds After Tax$109,500
Federal tax only. State capital gains tax not included. Consult a tax professional for your situation.
2026 Capital Gains Tax Rates
Long-Term Capital Gains (held > 1 year)
| Rate | Single Filers | Married Filing Jointly |
|---|---|---|
| 0% | Up to $47,025 | Up to $94,050 |
| 15% | $47,026–$518,900 | $94,051–$583,750 |
| 20% | Over $518,900 | Over $583,750 |
Note: High earners may also owe 3.8% Net Investment Income Tax (NIIT) on top of the capital gains rate.
Short-Term Capital Gains
Assets held 12 months or less are taxed as ordinary income at your marginal bracket (10%, 12%, 22%, 24%, 32%, 35%, or 37%). There is no preferential rate for short-term gains.
Tax-Saving Strategies
- Hold longer than 1 year to qualify for long-term rates
- Harvest tax losses to offset gains with losses from other investments
- Timing the sale — selling in a low-income year can drop you into the 0% bracket
- 1031 exchange for real estate — defer all taxes by reinvesting in like-kind property