run capital-gains
Capital Gains Tax Calculator
Short-term vs long-term capital gains tax on a sale, stacked on top of your ordinary income.
New to this? Start here
When you sell an investment for more than you paid, the profit (the 'gain') is taxed — but the rate depends on how long you held it. Hold under a year and it's taxed like ordinary income; hold over a year and you usually get a much lower rate. This shows exactly what you'd owe both ways.Tax owed
$7,500
long-term
Effective rate on the gain
15.0%
Saved by holding long-term
$4,033
Holding this 12+ months keeps $4,033 more in your pocket than selling short-term would have cost you ($11,533 vs. $7,500).
Tax if short-termTax if long-term
View as table
| Gain | Tax if short-term | Tax if long-term |
|---|---|---|
| $0 | $0 | $0 |
| $10,000 | $2,200 | $1,500 |
| $20,000 | $4,400 | $3,000 |
| $30,000 | $6,733 | $4,500 |
| $40,000 | $9,133 | $6,000 |
| $50,000 | $11,533 | $7,500 |
| $60,000 | $13,933 | $9,000 |
| $70,000 | $16,333 | $10,500 |
| $80,000 | $18,733 | $12,000 |
| $90,000 | $21,133 | $13,500 |
| $100,000 | $23,533 | $15,000 |
Methodology & assumptions
- Uses 2025 federal ordinary-income and long-term capital gains brackets — federal only, no state capital gains tax.
- The gain is assumed to stack on top of the stated other ordinary taxable income (already net of deductions), as the IRS actually computes it.
- The 3.8% Net Investment Income Tax is included where MAGI exceeds $200,000 (single) / $250,000 (MFJ).
- Short-term gains are taxed as ordinary income at your marginal rate; long-term gains use the 0% / 15% / 20% brackets.
- No cost-basis, wash-sale, depreciation-recapture, or Section 1202/1231 nuances — this is a plain stacked-gain calculation.
Educational only
This simulator is for education. It uses simplified assumptions, is not financial, tax, or investment advice, and no result here is a prediction or a recommendation. Talk to a licensed professional before acting.More tax math tools
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