Power Calculators

📊 US Capital Gains Tax Calculator 2026 (0%, 15%, 20%)

Selling shares, crypto or a property? See the tax before you sell.

By the Power Calculators team Updated

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Formula at a glance

US Capital Gains Tax Calculator: Gain — sale price − cost basis. Example: $20,000 gain, $70,000 salary, single → Total tax on the gain: $3,000
How the US Capital Gains Tax Calculator works: Gain — sale price − cost basis

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📘 About the US Capital Gains Tax Calculator 2026

Long-term gains — on assets held more than a year — are taxed at 0%, 15% or 20% depending on your total taxable income. For 2026 single filers pay 0% on gains that fall within $49,450 of taxable income and 20% above $545,500 ($98,900 and $613,700 for married couples filing jointly). Short-term gains are taxed like wages.

High earners also pay the 3.8% net investment income tax above $200,000 ($250,000 joint), and most states tax gains as income. Up to $250,000 of gain on your main home ($500,000 joint) is tax-free.

🧮 Formula

Gain
sale price − cost basis
Tax
gain stacked on taxable income × 0/15/20% + NIIT + state

✏️ Worked examples

$20,000 gain, $70,000 salary, single

You enter
Filing statusSingle
Sale price30,000 $
Cost basis (what you paid + fees)10,000 $
Or enter the gain0 $
Held forMore than 1 year (long-term)
Other income (wages etc.)70,000 $
State tax rate on gains0%
You get
Total tax on the gain$3,000
Federal capital gains tax$3,000
How it is taxed0%: $0 · 15%: $20,000 · 20%: $0
Net investment income tax (3.8%)$0
State tax$0
You keep$17,000 of $20,000
Effective rate on the gain15%

$3,000.

$30,000 gain, $60,000 income, married

You enter
Filing statusMarried filing jointly
Or enter the gain30,000 $
Held forMore than 1 year (long-term)
Other income (wages etc.)60,000 $
State tax rate on gains0%
You get
Total tax on the gain$0
Federal capital gains tax$0
How it is taxed0%: $30,000 · 15%: $0 · 20%: $0
Net investment income tax (3.8%)$0
State tax$0
You keep$30,000 of $30,000
Effective rate on the gain0%

$0.

🧭 How to use this calculator

What you enter

  • Filing status
  • Sale price ($)
  • Cost basis (what you paid + fees) ($)
  • Or enter the gain ($)
  • Held for
  • Other income (wages etc.) ($)
  • State tax rate on gains (%)

What you get

  • Total tax on the gain
  • Federal capital gains tax
  • How it is taxed
  • Net investment income tax (3.8%)
  • State tax
  • You keep
  • Effective rate on the gain

❓ Frequently asked questions

What are the 2026 capital gains tax brackets?

0% up to $49,450 of taxable income (single) or $98,900 (married jointly); 15% up to $545,500 or $613,700; 20% above.

How are short-term capital gains taxed?

At your ordinary income tax rate, from 10% to 37%.

How can I pay 0% capital gains tax?

Keep total taxable income — including the gain — under the 0% threshold, for example by selling in a low-income year or spreading sales over several years.

Can capital losses reduce my tax?

Yes. Losses offset gains in full, and up to $3,000 of extra losses can be deducted from other income each year, with the rest carried forward.