Capital Gains Tax Calculator (2026)
Estimate federal tax on long-term capital gains using the 2026 IRS 0%, 15% and 20% breakpoints. Gains are stacked on top of your other taxable income; short-term gains are treated as ordinary income.
Uses 2026 IRS figures · Checked 30 September 2026Capital gains tax
Move the sliders or type your own numbers. Results are estimates that assume a constant rate and are not guaranteed.
🧠 How this is calculated
Ordinary taxable income fills the brackets first. Long-term gains are stacked on top and taxed at 0% up to the first breakpoint, 15% up to the second and 20% above, using the 2026 IRS breakpoints.
Calculations run in your browser; nothing you enter is sent to us. Results are estimates that depend on the assumptions shown.
❓ FAQs
What is the difference between short-term and long-term gains?
Assets held one year or less produce short-term gains taxed as ordinary income; assets held more than a year produce long-term gains taxed at 0%, 15% or 20%.
Is there any other tax on gains?
Higher-income taxpayers may owe the 3.8% net investment income tax, and state tax may apply. This calculator does not include them.
Is this financial advice?
No. The calculator shows what happens under the numbers you enter. Rates, limits and tax rules change; confirm with the provider or a licensed professional.
Results are illustrations, not offers or advice. Investments can lose value; bank deposits are FDIC-insured up to $250,000 per depositor, per insured bank, per ownership category.