Long-Term Capital Gains Tax Calculator

Estimate the federal tax on selling an investment you held for more than one year, such as stocks, funds, real estate, or crypto. Uses 2026 tax-year brackets.

Filing status

Your taxable income, not counting this gain ($)Income after deductions. If you only know your pay, subtract the 2026 standard deduction: $16,100 single or married filing separately, $32,200 married filing jointly, $24,150 head of household.

Total sale proceeds ($)

Total cost basis ($)What you paid, including fees.

State tax rate (%, optional)

Modified adjusted gross income including this gain ($, optional)Leave blank to skip the 3.8% tax. It applies above $200,000 (single or head of household), $250,000 (married filing jointly), or $125,000 (married filing separately).

How it works

Long-term gains are taxed at 0%, 15%, or 20% depending on your total taxable income. The gain stacks on top of your other income, so part of it can fall in one bracket and part in the next. For example, a single filer with $40,000 of other taxable income and a $20,000 gain pays 0% on the first $9,450 of the gain and 15% on the rest.

For 2026, the 0% bracket ends at taxable income of $49,450 (single), $98,900 (married filing jointly), $66,200 (head of household), and $49,450 (married filing separately). The 15% bracket ends at $545,500, $613,700, $579,600, and $306,850. These come from IRS Revenue Procedure 2025-32 and change each year with inflation.

Not included: gains held one year or less (taxed as ordinary income), collectibles and certain real estate gains that have special rates, the qualified small business stock exclusion, home-sale exclusions, and other investment income in the 3.8% tax. Losses owe no tax here, and they can offset other gains and a limited amount of other income.

Estimates only, and not tax advice. Check IRS guidance or a qualified tax professional before filing. See our disclaimer.