US capital gains tax calculator
Calculate US federal capital gains tax for short-term vs long-term holdings (0%, 15%, 20%) plus 3.8% Net Investment Income Tax (NIIT).
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IRS capital rate
Applies if MAGI > $200k/$250k
Net profit retained
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About this tool
Calculate your US federal capital gains tax liability on stocks, cryptocurrencies, and real estate. Computes short-term capital gains at ordinary income tax rates, preferential long-term capital gains tax brackets (0%, 15%, and 20%), and evaluates the 3.8% Net Investment Income Tax (NIIT) for high earners.
How to use it
- 1 Enter your net realized capital gain amount in USD ($).
- 2 Enter other taxable earned income (W-2, business profits) to position your tax bracket.
- 3 Select your asset holding period: Long-Term (held > 1 year) or Short-Term (held 1 year or less).
- 4 Select your tax filing status (Single or Married Filing Jointly).
- 5 Review your base capital gains tax, NIIT surtax, effective tax rate, and net after-tax profit.
Questions
What is the difference between short-term and long-term capital gains in the US?
Assets held for one year or less are short-term and taxed at your ordinary marginal income tax rates (up to 37%). Assets held for more than one year qualify for long-term rates (0%, 15%, or 20%).
What is the 3.8% Net Investment Income Tax (NIIT)?
An additional 3.8% surtax applies to the lesser of your net investment income or the amount by which your Modified Adjusted Gross Income exceeds $200,000 for single filers ($250,000 for married couples).
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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