US Capital Gains Tax Calculator 2026
Find the 2026 federal tax on selling stocks, funds or property at a gain: long-term 0%, 15% and 20% rates, short-term at your ordinary rate, and the 3.8% net investment income tax.
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Wages and other income before deductions
Advanced optionsTax year, deductions and other settings (sensible defaults already applied)
Federal tax on your gain
Tax on the gain: $3,000
15.0% of the gain · you keep $17,000
Show calculationEvery step, the rule behind it and the official source
1. Taxable income
- Ordinary income$75,000
- Standard deduction$16,100
- Ordinary taxable income$58,900
2. Tax on the gain
- Long-term gain at 0% / 15% / 20%$3,000
0% up to $49,450 of taxable income, 15% up to $545,500, 20% above; the gain sits on top of ordinary income · IRS Rev. Proc. 2025-32 (2026 adjustments)
- Federal tax on the gain$3,000
Each line is rounded for display, so adding the rounded lines can differ from the total by 1.
Full breakdownTables, chart and tax-saving tips
| Rate | Part of your gain | Tax |
|---|---|---|
| 0% | $0 | $0 |
| 15% | $20,000 | $3,000 |
| 20% | $0 | $0 |
2026 long-term rates for your filing status: 0% while taxable income is up to $49,450, 15% up to $545,500, 20% above. Gains on collectibles and some real estate depreciation are taxed differently and are not modelled. State tax is not included.
FAQ
Frequently asked questions
What are the 2026 long-term capital gains brackets?
For single filers, 0% while taxable income is up to $49,450, 15% up to $545,500 and 20% above. For married couples filing jointly: $98,900 and $613,700. For heads of household: $66,200 and $579,600.
What is the difference between short-term and long-term gains?
Assets held for more than a year produce long-term gains, taxed at 0%, 15% or 20%. Assets held a year or less produce short-term gains, taxed at your ordinary income tax rate like wages.
What is the net investment income tax?
A 3.8% tax on investment income, including capital gains, for people whose modified adjusted gross income is above $200,000 (single or head of household) or $250,000 (married filing jointly). It applies to the smaller of your investment income and the amount over the threshold.
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