Capital Gains Tax Calculator
Use this calculator to estimate the tax on your investment profits. It accounts for both short-term and long-term capital gains rates, as well as the Net Investment Income Tax (NIIT) for high-income earners.
Capital Gains Tax Calculator
Estimate the tax on your investment gains based on your income level and how long you've held the asset.
Capital Gains Tax Calculator
Investment Details
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Capital Gains Tax Results
How to Use This Calculator
This calculator helps you make informed financial decisions by providing accurate estimates based on the information you provide. Follow these steps:
Enter Your Details
Fill in all required fields with your financial information.
Adjust Parameters
Use sliders and toggles to customize scenarios and assumptions.
View Results
Get instant calculations that update as you change inputs.
Compare Options
Try different scenarios to find the best financial solution.
Understanding Capital Gains Tax
Capital gains tax is assessed on the profit from selling an investment or asset that has increased in value. The tax rate depends on how long you've owned the asset and your overall income level.
Short-Term vs. Long-Term Capital Gains
The most significant factor affecting your capital gains tax rate is how long you've owned the asset:
- Short-term capital gains apply to assets held for one year or less and are taxed at your ordinary income tax rate.
- Long-term capital gains apply to assets held for more than one year and are taxed at preferential rates of 0%, 15%, or 20%, depending on your income.
Additional Considerations
Beyond the basic capital gains tax rates, you should be aware of:
- Net Investment Income Tax (NIIT): An additional 3.8% tax on investment income for individuals with income above certain thresholds.
- Tax-loss harvesting: Using investment losses to offset capital gains and reduce your tax liability.
- State taxes: Many states also tax capital gains, sometimes at different rates than the federal government.