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.
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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 |