Income Tax
Calculator
2025 federal estimate.
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Tax
Capital Gains Tax Calculator
Estimate federal tax on short-term and long-term capital gains from your gain and income.
Tax on the gain
—
Federal capital gains tax.
| Effective rate on gain | — |
|---|---|
| Net gain after tax | — |
| Treated as | — |
| Total taxable | — |
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Enter your figures above to see the step-by-step working.
Federal estimate — excludes state & NIITEverything computed client-side — nothing leaves this page
How the Capital Gains Tax Calculator Works
How a profit on an investment is taxed depends on how long you held it. Assets held one year or less produce short-term gains, taxed as ordinary income at your marginal rate. Assets held more than a year get preferential long-term rates of 0%, 15% or 20%, set by your total taxable income.
Long-term gains “stack” on top of your other income: the calculator finds where the gain lands across the 0/15/20% thresholds for your filing status, so part of a gain can be taxed at 0% and part at 15%. Short-term gains are figured as the extra ordinary tax the gain adds. This is a federal estimate and doesn’t include the 3.8% Net Investment Income Tax or state tax.
long-term: 0% / 15% / 20% by income short-term: your ordinary rate
Note: a federal estimate for the 2025 tax year using the standard deduction. It doesn’t include Social Security/Medicare (FICA), state or local tax, or credits and itemized deductions. Not tax advice.
Frequently Asked Questions
How much is capital gains tax?
Long-term gains (held over a year) are taxed at 0%, 15% or 20% depending on your income. Short-term gains (a year or less) are taxed as ordinary income. Enter your gain, income and filing status for an estimate.
What is the difference between short and long-term gains?
It’s the holding period. One year or less is short-term and taxed like wages; more than a year is long-term and gets the lower 0/15/20% rates — often a big saving.
Does this include state tax or the 3.8% surtax?
No. It estimates federal capital gains tax only. Many states tax gains too, and high earners may owe an extra 3.8% Net Investment Income Tax.
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