Tools → Capital Gains Tax
Capital Gains Tax Calculator
Understand your capital-gains tax. Make your own decisions. Take control of your future.
Estimate federal + state capital gains tax on any investment sale. Find out if waiting longer could save you thousands.
Your investment details
< 12 = short-term, ≥ 12 = long-term
For capital gains rate threshold
How this is calculated
We estimate the tax on an investment sale by separating short-term gains (taxed like income) from long-term gains (taxed at preferential 0/15/20% rates).
The steps
- Gain = sale price − cost basis.
- Held ≤ 1 year → short-term, taxed at your ordinary income bracket.
- Held > 1 year → long-term, taxed at 0%, 15%, or 20% depending on your taxable income.
- Add any applicable net investment income tax and state tax.
Assumptions
- 2025 federal brackets and long-term rate thresholds.
Good to know
- Simplified — doesn’t model wash sales, carryforwards, or every state nuance.
- A sale at a loss shows $0 tax here; in reality net capital losses can offset other gains and up to $3,000/yr of ordinary income.
Related resources
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. For tax advice, consult a CPA or Enrolled Agent. View full disclosures →