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. Updated with 2026 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $12,150 | $0 – $24,300 |
| 12% | $12,151 – $49,475 | $24,301 – $98,950 |
| 22% | $49,476 – $105,525 | $98,951 – $211,050 |
| 24% | $105,526 – $201,350 | $211,051 – $402,700 |
| 32% | $201,351 – $255,925 | $402,701 – $511,850 |
| 35% | $255,926 – $640,500 | $511,851 – $768,600 |
| 37% | Over $640,500 | Over $768,600 |
This capital gains calculator uses the latest 2026 federal tax brackets, standard deduction of $15,350 (single) / $30,700 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2026 is $183,300, and the 401(k) contribution limit is $24,000.
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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 |