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Capital Gains Tax Calculator (2026)
Estimate federal capital gains tax on stock, crypto, or real estate sales. Short vs long-term, plus 3.8% NIIT for high earners.
FINANCEEstimate federal capital gains tax on a stock, crypto, or real estate sale. Long-term (held > 1 year) uses 0/15/20% brackets stacking on top of ordinary income; short-term uses your marginal ordinary rate.
The 3.8% NIIT applies to investment income if AGI exceeds $200K (single) / $250K (MFJ). Capital losses offset gains; $3K/yr can offset ordinary income with the rest carrying forward. Section 121 excludes up to $250K/$500K (single/MFJ) of gain on a primary residence sale. Collectibles are taxed at a max 28%; depreciation recapture on real estate at max 25%.
Disclaimer: Federal only. State capital gains tax adds 0-13.3%. Wash-sale rule, cost-basis adjustments, and gift/inheritance basis rules can change the calculation.
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Frequently Asked Questions
What is the Capital Gains Tax Calculator (2026) for?
Estimate federal capital gains tax on a stock, crypto, or real estate sale. Long-term (held > 1 year) uses 0/15/20% brackets stacking on top of ordinary income; short-term uses your marginal ordinary rate.
How do I use the Capital Gains Tax Calculator (2026)?
The 3.8% NIIT applies to investment income if AGI exceeds $200K (single) / $250K (MFJ). Capital losses offset gains; $3K/yr can offset ordinary income with the rest carrying forward. Section 121 excludes up to $250K/$500K (single/MFJ) of gain on a primary residence sale. Collectibles are taxed at a max 28%; depreciation recapture on real estate at max 25%.
How accurate are my capital gains tax (2026) results?
Federal only. State capital gains tax adds 0-13.3%. Wash-sale rule, cost-basis adjustments, and gift/inheritance basis rules can change the calculation.
Is the Capital Gains Tax Calculator (2026) free to use?
Yes - every calculator on WhichCalc is completely free with no signup, no usage limits, and no tracking on the calculation itself. Results display instantly in your browser and your inputs are never sent to a server. Bookmark the page if you use this calculator regularly.
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