Free tool

Capital Gains Tax Calculator

A rough federal estimate of the tax on a sale — and how much the short-term vs. long-term distinction matters.

Your sale

Purchase price (cost basis)$Sale price$

Holding period

Filing status

Taxable income (before this gain)$

Capital gain

$15,000

Est. federal tax

$2,250

Effective rate

15.0%

Held over a year, this gain is taxed at long-term rates (0% / 15% / 20%) — top bracket touched here: 15%.

2026 long-term capital gains brackets (estimates)

Rate	Single	Married filing jointly
0%	Up to $49,450	Up to $98,900
15%	$49,451 – $545,500	$98,901 – $613,700
20%	Over $545,500	Over $613,700

Tax year 2026, estimates only. Short-term gains use ordinary income brackets (10%–37%), also approximated for 2026.

Important caveats

This is a rough federal estimate — not tax advice. It ignores state capital gains taxes, the 3.8% net investment income tax on higher incomes, the home-sale exclusion, wash sales, loss harvesting, collectibles and real estate depreciation recapture rates, and the way deductions determine your actual taxable income. Bracket figures are estimates of 2026 inflation adjustments and may differ from final IRS numbers. For a real number on a real sale, talk to a CPA or tax professional.

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