Capital Gains Tax Calculator
Calculate 2026 capital gains tax on investments. Short-term vs long-term rates, Net Investment Income Tax (3.8%), and net proceeds after tax.
Used for bracket placement and NIIT
2026 Long-Term Capital Gains Tax Brackets
| Rate | Single | MFJ | MFS | HoH |
|---|---|---|---|---|
| 0% | Up to $48,350 | Up to $96,700 | Up to $48,350 | Up to $64,750 |
| 15% | $48,351 - $533,400 | $96,701 - $600,050 | $48,351 - $300,025 | $64,751 - $566,700 |
| 20% | Over $533,400 | Over $600,050 | Over $300,025 | Over $566,700 |
How Capital Gains Tax Works
- Short-term gains (held < 1 year) are taxed as ordinary income at your marginal rate.
- Long-term gains (held 1+ years) are taxed at preferential rates: 0%, 15%, or 20%.
- Net Investment Income Tax (NIIT) of 3.8% may apply above income thresholds.
- Capital losses can offset gains; up to $3,000 excess can deduct from ordinary income.
2026 Long-Term Capital Gains Brackets
- 0% rate: up to $48,350 (Single), $96,700 (MFJ)
- 15% rate: up to $533,400 (Single), $600,050 (MFJ)
- 20% rate: above those thresholds
- NIIT thresholds: $200K (Single/HoH), $250K (MFJ), $125K (MFS)
- 100% client-side calculation
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