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What will I owe in capital gains tax?

The tax on a sale depends on one thing more than any other: whether you held the asset longer than a year. Enter your numbers to see federal, state, and net investment income tax — and what the holding period is worth.

The sale

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Added to your cost basis, which lowers the taxable gain.

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Wages and everything else before deductions — the standard deduction for your filing status is taken off here. The gain stacks on top of what is left, which is what decides the rate it is taxed at.

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Most states tax capital gains as ordinary income, so use your state's ordinary income rate. A few tax them at a lower rate, and several have no income tax at all — enter 0 for those.

What you owe

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Enter what you paid and what you sold for.

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All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.

Why the rate is bracketed, not flatA written guide to the rules behind this calculator →
For educational purposes only and not tax advice. Uses 2026 federal brackets and assumes a flat state rate. Models a single sale only: it does not net this gain against other gains or losses, apply the $3,000 annual limit on deducting a net loss against ordinary income, or carry anything forward. Ignores wash sales, AMT, the qualified dividend interaction, and special asset classes such as collectibles or Section 1202 stock. Consult a tax professional.