Net after tax
$12,554
Capital gain$15,000
Federal rate (15%)-$2,250
California state tax-$196
Effective rate16.3%
Capital Gains
Capital Gains Tax Calculator 2026
Estimate federal and state tax on profits from stocks, real estate, crypto, and other assets.
Capital gains tax FAQs
Assets held one year or less are short-term and taxed at your ordinary 2026 federal income brackets. Assets held more than one year are long-term and taxed at the lower 0%, 15%, or 20% federal LTCG rates.
For single filers in 2026: 0% up to about $48,350 of taxable income, 15% from there to roughly $533,400, and 20% above that. Married-filing-jointly thresholds are roughly double the single amounts.
Most states tax capital gains as ordinary income — so your state rate applies on top of the federal LTCG rate. A handful of no-income-tax states (Florida, Texas, Washington, etc.) don't tax capital gains at all. This calculator applies the correct rule for your selected state.
No. The 3.8% NIIT can apply to high earners (MAGI above $200k single / $250k joint). This calculator estimates federal LTCG + state tax only — consult a tax professional if NIIT may apply to you.
Yes. Capital losses offset capital gains dollar-for-dollar, and up to $3,000 of net losses can offset ordinary income each year, with the rest carried forward. Enter a sale price below your cost basis to see a loss.