Calculate taxes on your investment profits and optimize your strategy
| Filing Status | 0% Rate | 15% Rate | 20% Rate | Net Investment Tax |
|---|---|---|---|---|
| Single | Up to $47,025 | $47,026 - $518,900 | Over $518,900 | +3.8% over $200,000 |
| Married Filing Jointly | Up to $94,050 | $94,051 - $583,750 | Over $583,750 | +3.8% over $250,000 |
| Head of Household | Up to $63,000 | $63,001 - $551,350 | Over $551,350 | +3.8% over $200,000 |
Note: Short-term capital gains (assets held ≤1 year) are taxed as ordinary income at your marginal tax rate.
Our free capital gains tax calculator helps investors accurately calculate taxes on profits from stocks, real estate, mutual funds, and other investments. Estimate your tax liability based on holding period, income bracket, and asset type to make informed investment decisions.
Optimize your investment strategy by understanding how short-term vs long-term capital gains affect your tax burden. Plan your asset sales timing, explore tax-loss harvesting opportunities, and maximize your after-tax returns with precise calculations.
Uses updated tax brackets and rates for accurate calculations, including special rates for long-term gains and qualified dividends.
Automatically calculates short-term vs long-term gains and applies appropriate tax rates based on your specific holding period.
Handles various investment types including stocks, bonds, real estate, mutual funds, and cryptocurrencies with specific tax rules.
Provides actionable strategies to legally minimize your capital gains tax through timing, harvesting, and investment selection.
Used by investors, financial advisors, and tax professionals to optimize investment decisions and maximize after-tax returns.
Short-term capital gains apply to assets held for one year or less and are taxed at your ordinary income tax rate. Long-term capital gains apply to assets held for more than one year and benefit from preferential tax rates (0%, 15%, or 20% depending on your income).
Legal strategies include: holding investments longer for long-term rates, tax-loss harvesting to offset gains with losses, using retirement accounts, donating appreciated assets to charity, and timing sales to manage your income bracket.
Yes, several exemptions exist including the $250,000 ($500,000 for married couples) primary residence exclusion, tax-advantaged accounts like IRAs and 401(k)s, and certain small business stock exemptions under Section 1202.
Yes, capital gains tax is triggered when you sell an asset for a profit, regardless of whether you reinvest the proceeds. The reinvestment doesn't defer or eliminate the tax liability from the sale.
The NIIT is an additional 3.8% tax that applies to investment income for high-income taxpayers (MAGI over $200,000 single/$250,000 married). This tax applies to capital gains, dividends, interest, and other investment income.