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. Tailored with tips and guidance for Financial planning tools designed for those approaching or in retirement..
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This capital gains calculator is specifically designed for Financial planning tools designed for those approaching or in retirement.. Whether you're just getting started or looking to optimize your financial strategy, this calculator provides the insights you need to make informed decisions.
Retirees & Pre-Retirees face unique financial considerations that generic calculators don't address. Use the tips above alongside this capital gains calculator to get a complete picture of your financial situation. The calculator is completely free, runs instantly in your browser, and never stores your personal data.
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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 |