Capital Gains Tax Calculator 2026

Determine how much capital gains tax you owe on the sale of investments, real estate, or other assets. This calculator applies 2026 short-term and long-term capital gains rates based on your holding period and ordinary income. Understanding your tax liability before selling can help you make smarter financial decisions.

Enter Your Measurements

Sale Price($)

Purchase Price (Cost Basis)($)

Holding Period (Years)

Other Ordinary Income($)

Results

Capital Gain

20,000.00

Applicable Tax Rate

15.0

Estimated Tax Owed

3,000.00

Formula

Capital Gain = Sale Price − Purchase Price Long-Term Tax = Capital Gain × Rate (0%, 15%, or 20% based on income)

How to Use This Calculator

How to Use

1
Enter the sale price and your original purchase price (cost basis) of the asset.
2
Enter how long you held the asset in years (less than 1 year = short-term).
3
Enter your other ordinary income so the correct long-term rate can be applied.
4
Review your capital gain, applicable rate, and estimated tax owed.

Frequently Asked Questions

What qualifies as a long-term capital gain?

An asset held for more than one year before selling qualifies for long-term capital gains rates, which are significantly lower than short-term rates for most taxpayers.

Does this include the Net Investment Income Tax (NIIT)?

No. High-income earners (above $200,000 single / $250,000 MFJ) may owe an additional 3.8% NIIT on investment income, which is not included in this estimate.

Can I offset capital gains with capital losses?

Yes. Capital losses can offset capital gains dollar-for-dollar. Up to $3,000 of net losses can also offset ordinary income per year, with excess carried forward.

In-Depth Guides

📖

How to Calculate Capital Gains Tax (2026 Guide)

Learn how to calculate capital gains tax in 2026. Covers short-term vs long-term rates, cost basis, the home sale exclusion, and tax-loss harvesting.

📖

Cost Basis and Capital Gains: How to Calculate and Minimize Your Tax

Understand cost basis, short vs. long-term capital gains rates, and strategies to reduce what you owe when selling investments.

Related Calculators

Federal Income Tax Calculator 2026

Effective Tax Rate Calculator

Stock Return Calculator

About This Calculator

This calculator uses the formula: Capital Gain = Sale Price − Purchase Price Long-Term Tax = Capital Gain × Rate (0%, 15%, or 20% based on income). All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.

Built and maintained by the CalcSmart team. Last updated March 2026.

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