Capital Gains Tax Calculator (2026)
Long-term gains are taxed preferentially, but the break disappears at higher incomes and the 3.8% Net Investment Income Tax stacks on top. Enter your ordinary taxable income and gain to see the real blended rate.
Long-term gains are taxed at 0%, 15%, or 20% depending on where your total taxable income lands. High earners add the 3.8% NIIT, pushing the top effective rate on gains to 23.8%.
Short-term gains (assets held one year or less) are taxed as ordinary income at up to 37% — not modeled here; enter them as ordinary taxable income in the federal calculator.
Not tax, legal, or financial advice
FiscTalk provides general educational information from public sources. Tax outcomes depend on your full facts, filing history, and jurisdiction-specific rules that change yearly. Before filing or making decisions, consult a licensed CPA, EA, or attorney. FiscTalk is not a fiduciary and is not affiliated with the IRS or any state agency.
Sources & methodology
Figures as of: 2026-08-09
- IRS — Tax inflation adjustments for tax year 2026 (Rev. Proc. 2025-32) — Internal Revenue Service
- IRS Pub. 15 (Circular E), Employer’s Tax Guide 2026 — Social Security wage base $184,500 — Internal Revenue Service
- IRS Pub. 15-T (2026), Federal Income Tax Withholding Methods — Internal Revenue Service
- IRS Form 1041-ES (2026) — capital gains rate thresholds — Internal Revenue Service
- OBBBA (One Big Beautiful Bill Act), Pub. L. 119-21 — SALT, estate, QBI, QSBS, senior deduction — Internal Revenue Service