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.
Long-term capital gains (assets held 12+ months) are taxed at 0%, 15%, or 20% in 2026 — the 0% rate applies to single filers with taxable income up to $47,025. Short-term gains are taxed as ordinary income. Selling in a year with lower income can significantly reduce capital gains tax.
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
- Payroll Taxes Guide
- Overtime Rules
- Tax Withholding Guide