Estimate your federal long-term capital gains tax — 0%, 15%, or 20% depending on your income — plus your after-tax proceeds.
Estimates FEDERAL long-term (held >1 year) capital gains tax using 2025 brackets, stacking the gain on your other income. Short-term gains are taxed as ordinary income instead. Excludes state tax; the 3.8% Net Investment Income Tax may apply at higher incomes. Not tax advice.
Assets held longer than a year get preferential federal rates: 0%, 15%, or 20%, set by your total taxable income with the gain stacked on top. A modest income can keep part of a gain in the 0% band even as the rest is taxed at 15%. Short-term gains (held a year or less) don't get this break — they're taxed like ordinary income.
The rate on your gain depends on where it lands once stacked on your ordinary income. More income pushes more of the gain into higher capital-gains brackets.
The 3.8% Net Investment Income Tax applies to investment income above $200k single / $250k joint — an extra layer some high earners owe on top of the capital-gains rate.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Capital Gains Tax Calculator by ToolWise Digital.
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