Capital Gains Tax Calculator
Calculate US capital gains tax on stock sales for 2026. Includes long-term rates, short-term rates, state taxes, and net investment income tax.
Capital Gains Tax (US 2026)
LONG-TERM RATE — 20.0% TOTAL
Tax owed on $15,000 gain · 20.0% effective rate
2026 Long-Term Rates (Single)
0% — income + gains under $48,350
15% — income + gains $48,350 – $533,400
20% — income + gains over $533,400
Frequently Asked Questions
What are 2026 long-term capital gains tax rates?
0% for single filers with taxable income up to $48,350 ($96,700 married). 15% up to $533,400 ($600,050 married). 20% above those thresholds. Plus 3.8% NIIT for high earners.
What counts as a long-term capital gain?
Any investment held for more than 12 months qualifies for long-term rates. The clock starts the day after purchase and ends on the sale date. Inherited assets are automatically long-term regardless of holding period.
Can I offset gains with losses?
Yes — tax-loss harvesting lets you offset gains with losses. Short-term losses offset short-term gains first. Net short-term losses can offset long-term gains. Up to $3,000 of net losses can offset ordinary income annually.
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For educational purposes only. Not financial advice. Consult a qualified advisor before making investment decisions.