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Estimate federal, state, and NIIT taxes on investment gains using 2026 tax rates and brackets.
Capital Gain
$30,000
Long-term gain · 15% federal rate
Federal Capital Gains Tax
$4,500
Net Investment Income Tax
$0
State Tax
$1,500
Total Tax
$6,000
Net Proceeds After Tax
$74,000
Effective Rate on Gain
20.00%
Disclaimer
This is an estimate using simplified calculations. Actual taxes depend on your complete tax situation. State rates vary significantly. Consult a tax professional for personalized advice.
Capital Gains Tax Calculator calculates federal capital gains tax using 2026 LTCG brackets (0/15/20%) for long-term gains or marginal income brackets for short-term gains, plus 3.8% NIIT above the $200K/$250K threshold and a user-specified state rate.
Capital Gains Tax Calculator is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
Short-term gains are stacked on top of ordinary income and the marginal federal rate on the additional income is applied. Long-term gains use a simplified bracket lookup: tax = gain × ltcgRate(totalIncome). NIIT = max(0, min(gain, totalIncome − threshold)) × 3.8%. State tax = gain × state rate. Results are estimates; consult a tax professional before selling assets.
For 2026, long-term capital gains rates are 0% (up to ~$48,350 single / $96,700 MFJ), 15% (up to ~$533,400 single / $600,050 MFJ), and 20% above those thresholds. These apply to assets held more than 1 year.
Short-term gains (assets held ≤ 1 year) are taxed as ordinary income — the same as your wages. This means rates from 10% to 37% apply depending on your total income, which is significantly higher than long-term rates.
The NIIT adds an extra 3.8% tax on investment income (including capital gains) for taxpayers above $200,000 (single) or $250,000 (married). This means high earners can face up to 23.8% federal tax on long-term gains.
You can exclude up to $250,000 ($500,000 married) of gain from the sale of your primary residence if you've lived there 2 of the last 5 years. Gains above the exclusion are taxed at long-term capital gains rates.
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