Capital Gains Tax Calculator — Calculate Tax on Investment Profits
Calculate capital gains tax on stocks real estate and investments. Compare short-term vs long-term capital gains tax rates for 2026.
Capital gains tax in the United States depends on how long you held the asset. Short-term gains (held less than 1 year) are taxed at your ordinary income tax rate (10-37%). Long-term gains (held 1+ years) receive preferential rates of 0% 15% or 20% depending on your income. This distinction is one of the biggest tax planning opportunities available with long-term rates saving investors thousands compared to short-term trading.
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Key Information
| Parameter | Details |
|---|---|
| Long-Term Rate (Low Income) | 0% (up to $47025 single) |
| Long-Term Rate (Middle Income) | 15% ($47026 - $518900 single) |
| Long-Term Rate (High Income) | 20% (above $518900 single) |
| Short-Term Rate | Same as ordinary income (10-37%) |
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Use Calculator NowFrequently Asked Questions
How much capital gains tax on $100000 profit?
On $100000 long-term capital gains filing single with $80000 other income: total income $180000 puts you in the 15% bracket for most of the gain. Tax approximately $15000. If it were short-term gains you would pay ordinary income rates totaling approximately $24000-$32000 depending on your bracket. Holding investments for at least one year saves approximately $9000-$17000 on this amount.
How to avoid capital gains tax legally?
Use tax-advantaged accounts: 401k IRA and Roth IRA have no capital gains tax on growth. Harvest tax losses to offset gains. Use the primary residence exclusion ($250K single or $500K married). Gift appreciated assets to charity for a double benefit. Hold investments for 1+ year for lower long-term rates. Use opportunity zone investing for deferral and potential exclusion.
Do I pay capital gains tax on my home?
If you lived in the home for 2 of the last 5 years you exclude up to $250000 in gains (single) or $500000 (married filing jointly). On a home bought for $300000 and sold for $700000 a single filer pays capital gains only on the $150000 above the exclusion. Married filers pay zero tax on this sale as the $400000 gain is within the $500000 exclusion.
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Last updated: 24 March 2026