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Capital Gains Tax Calculator 2026
Free capital gains tax calculator for 2026: long-term gains at 0% (to $49,450 single, $98,900 married), 15% and 20%, short-term gains at ordinary rates, and the 3.8% Net Investment Income Tax.
Your 2026 gains
Federal tax on your gains
$3,000
| Long-term gain at 0% | $0 |
| Long-term gain at 15% | $20,000 |
| Long-term gain at 20% | $0 |
| Long-term tax | $3,000 |
| Short-term tax (ordinary rates) | $0 |
| Net Investment Income Tax 3.8% | $0 |
| Effective rate on gains | 15% |
2026 long-term rates (taxable income)
| 0% | up to $49,450 |
| 15% | $49,450 – $545,500 |
| 20% | over $545,500 |
Gains stack on top of your other taxable income. The 3.8% NIIT applies once income is over $200,000 ($250,000 married).
Uses the standard deduction. State tax, collectibles (28%) and real-estate depreciation recapture (25%) not included. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: IRS: Topic 409 capital gains · IRS: Net Investment Income Tax · IRS: Rev. Proc. 2025-32
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What are the 2026 capital gains tax rates?+
0% up to $49,450 of taxable income ($98,900 married, $66,200 head of household), 15% up to $545,500 ($613,700 married), and 20% above.
What is the difference between short-term and long-term?+
Assets held more than one year get the lower long-term rates. Held one year or less, the gain is taxed like wages.
Do I pay tax when I sell my home?+
Up to $250,000 of gain ($500,000 married) is tax-free on your main home if you lived there 2 of the last 5 years.