Capital Gains Tax Calculator
Tax on your profit, long-term vs short-term, after-tax proceeds.
Your numbers
How this calculator works
Profit on an investment is not all yours: the IRS takes a cut, and how long you held the asset decides how big that cut is. Sell within a year and the gain is taxed as ordinary income at your marginal rate (up to 37%); hold longer than a year and you get the preferential long-term rates of 0%, 15% or 20% depending on income. This capital gains tax calculator computes your gain, applies the correct 2025 federal bracket for long-term holdings (or your marginal rate for short-term), and shows the tax owed and your after-tax proceeds.
The holding-period cliff is the main planning lever: selling at 366 days instead of 360 can cut the tax rate by more than half for many investors. Tax-loss harvesting is the second lever, realizing losses to offset gains, which is why December sees so much strategic selling. Note what this calculator does not cover: state capital gains taxes (up to 13%+ in some states), the 3.8% net investment income tax above certain incomes, and special cases like collectibles (28%) or depreciation recapture on real estate. Treat the result as a solid federal estimate, then confirm specifics with a tax professional before a large sale.