Tax · Free calculator

Capital Gains Tax Calculator

Calculate federal capital gains tax including short-term, long-term brackets (0/15/20%), and 3.8% Net Investment Income Tax for high earners.

Short answer

Capital Gains Tax Calculator

$12,380Total capital gains tax

🟡 NIIT 3.8% applies above $200,000 AGI — adds $380 on top of LTCG. Real LT rate is 18.8%. Long-term: $0 at 0%, $60,000 at 15%, $0 at 20% = $9,000. Short-term taxed as ordinary income: $0. NIIT $380. State $3,000. Total federal + state: $12,380.

How it's calculated: $47,620 net after tax · 20.6% effective on gains Adjust the inputs below to recalculate for your own numbers.

Disclaimer: Educational only — not tax or legal advice. Federal withholding follows IRS Pub 15-T (2026 brackets); FICA caps reflect SSA's 2026 wage base. State rates mirror each state DOR's published 2026 brackets. Verify with a CPA before filing.

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Ordinary taxable income ($)$150,000

Long-term capital gains ($)$60,000

Short-term capital gains ($)$0.00

Filing status (0=single, 1=MFJ)0

State capital gains rate (%)5%

CA 13.3%, NY 10.9%, TX/FL/WA 0%, WA 7% on >$262K.

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Formula used

LTCG bracket model

Hold > 1 year for LT treatment. LT brackets stack on top of ordinary income — high W2 pushes gains into 20% + NIIT.

LT: 0/15/20% by income · ST: ordinary rates · +3.8% NIIT over $200K/$250K AGI

LTCG 0% (single)

Up to $48,350

LTCG 15% (single)

$48,351–$533,400

LTCG 20% (single)

Over $533,400

NIIT threshold (single)

$200K AGI

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Source: [Capital Gains Tax Calculator — RevenueLab](https://www.revenuelab.fyi/capital-gains-tax-calculator) (2026).

Tax-loss harvesting still works

Realize losses in taxable accounts to offset realized gains dollar-for-dollar. Excess losses up to $3K/yr offset ordinary income; the rest carries forward indefinitely. The wash sale rule (30 days) is the main trap.

Why holding 1 year and 1 day matters

Short-term gains tax at ordinary rates (10–37%). Long-term at 0/15/20%. On a $50K gain, the difference between 35% ST and 15% LT is $10,000. Set calendar reminders for cost-basis lots.

QSBS exclusion (Section 1202)

Founders of C-corps held >5 years can exclude up to $10M or 10× basis in capital gains — federal tax = $0. State varies (CA, PA don't recognize). One of the most valuable tax provisions for startup employees.

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FAQ

Does NIIT apply to all gains?

Yes — both ST and LT capital gains count as 'net investment income' when AGI exceeds $200K (single) or $250K (MFJ). The 3.8% is on top of regular tax.

Can I avoid state cap gains tax by moving?

Only if you establish full residency before the gain is realized. Stock options/RSUs vested in CA generally remain CA-taxable even after a move. Sale of a privately held company has more flexibility — talk to a CPA.

What about crypto?

Crypto is treated as property — same LT/ST distinction applies. Every swap (BTC → ETH) is a taxable event. Track basis lot-by-lot or pay the wash-sale-rule penalty (note: wash sale doesn't currently apply to crypto, an open loophole).

How this calculator is built

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Written by Sam Doshi and the RevenueLab editorial team. We don't sell the data feeds this tool is built on.

Sourced from primary data

Benchmarks come from public AdSense / Stripe / IRS disclosures and reader-submitted data — never third-party "$X per view" claims. Full methodology.

Last editorial review

Reviewed on a rolling quarterly cycle. Dated reviews are published on the methodology record for each calculator.

Editorial standards

See our editorial policy and disclaimer. Results are estimates, not advice.

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