Investment tax planning

2026 Capital Gains Tax Calculator

Estimate capital gains tax on stocks, ETFs, mutual funds, crypto, real estate, collectibles, and other assets. This calculator estimates federal capital gains tax, Net Investment Income Tax, state tax, local tax where applicable, total estimated tax, and after-tax proceeds.

How to use this calculator

Start with the asset type, sale price, cost basis, dates, filing status, other taxable income for the year, and state of residence. Then calculate the estimate. Some choices, such as crypto, real estate, primary residence, or collectibles, will show extra notes or fields when they matter.

Sale details

Asset type

Use the asset type that best matches the sale. Real estate and primary residence calculations are simplified planning estimates.

Purchase price or cost basis

Use what you paid, plus basis adjustments you know. This may come from brokerage, exchange, or closing records.

Sale price

Use the gross sale amount before subtracting selling expenses.

Selling expenses

Include commissions, transaction fees, broker fees, real estate agent commissions, transfer fees, and other selling costs if known.

Purchase date

Assets held for more than one year are generally treated as long-term.

Sale date

Holding period override

Leave this on “Use dates” for the normal estimate. Choose long-term or short-term to test a what-if scenario or override the date-based result.

Capital losses available to offset gain

Enter capital losses you expect to use against this gain. If you are not sure, leave this blank.

This calculator can estimate a basic real estate sale using sale price, basis, selling expenses, holding period, and optional depreciation recapture. It does not handle installment sales, 1031 exchanges, full depreciation schedules, passive activity rules, or Form 4797-level treatment.

This calculator handles a simplified single crypto sale. It does not import exchange records, reconcile wallets, calculate FIFO/LIFO/specific-identification lots, handle staking rewards, mining income, airdrops, DeFi transactions, NFTs, stablecoin transactions, wallet transfers, crypto-to-crypto swaps, or full Form 8949 reporting.

Tax profile

Tax year

Filing status

Other taxable income for the year

Enter estimated 2026 taxable income not including this sale’s taxable gain. This is used to stack the gain into the federal capital gains brackets.

Modified AGI without this sale’s gain

Used for NIIT. If blank, the calculator estimates MAGI from taxable income plus this sale’s taxable gain and labels the NIIT result as simplified.

State and local tax

State of residence

Many states tax capital gains as regular income, while some states have no broad individual income tax or special rules.

Did you live in New York City?

Most users can leave this section closed. Use these fields only if you have more detailed tax information.

Manually enter adjusted basis

Use this if basis differs because of improvements, return of capital, depreciation, inheritance, gifts, stock splits, or reinvestments.

Rental or business property depreciation recapture

Most stock, crypto, and personal-use home sales can leave this at zero. Use it only if you sold rental real estate or business property and know the recapture amount from your records or tax preparer.

State taxable income override

State capital gain tax override

NIIT override

Primary residence exclusion

Did you own and use the home as your main home for at least 2 of the last 5 years?

Have you used the home sale exclusion in the last 2 years?

Section 121 primary home exclusion amount

The home sale exclusion has eligibility rules. This calculator uses a simplified estimate and does not determine full eligibility.

Disclaimer

This calculator is a simplified planning tool. It does not prepare a tax return and does not handle every federal, state, local, or asset-specific rule. Capital gains taxes can depend on exact taxable income, holding period, basis, losses, depreciation, exclusions, state law, local tax rules, and other facts. Confirm your tax obligations before relying on the result.

What This Calculator Does Not Handle

Full 1031 exchange calculations
Installment sales, QSBS exclusions, AMT, wash sales, or full depreciation schedules
Partnership K-1 capital gains, trusts, estates, or nonresident alien rules
State part-year residency, every state credit or deduction, or every local tax rule
Crypto exchange imports, wallet imports, multiple lots, FIFO, LIFO, specific identification, DeFi, NFTs, or full Form 8949 reporting

FAQs

What is capital gains tax?

Capital gains tax is tax on profit from selling an asset for more than its tax basis. Stocks, ETFs, mutual funds, crypto, real estate, collectibles, and other investments may create capital gains when sold.

What is the difference between short-term and long-term capital gains?

Short-term capital gains generally apply to assets held for one year or less and are usually taxed like ordinary income. Long-term capital gains generally apply to assets held for more than one year and may qualify for lower federal tax rates.

Does this calculator include state capital gains tax?

Yes, where state data is available. Many states tax capital gains as ordinary income, some states have no broad individual income tax, and some states have special capital gains rules. State results are labeled as simplified when appropriate.

Does New York tax capital gains?

New York generally taxes capital gains through its regular income tax system. New York City residents may also owe New York City resident income tax.

Do states without income tax have capital gains tax?

States without a broad individual income tax generally do not tax capital gains through a regular state income tax in this simplified model. Other taxes or special rules may still apply.

Does this calculator include Net Investment Income Tax?

Yes. The calculator estimates the 3.8% Net Investment Income Tax when income appears to exceed the applicable threshold. If modified adjusted gross income is not entered, the NIIT result is simplified.

Does this calculator handle home sale exclusions?

It includes a simplified primary residence exclusion estimate for users who indicate they may qualify. The full home sale exclusion has detailed eligibility rules, so the result should not be treated as a tax return calculation.

Does this calculator handle crypto gains?

Yes, basic crypto sales can be entered like other investment sales. The calculator estimates gain based on sale price, basis, expenses, holding period, and tax profile. It does not import exchange records or prepare Form 8949.

Does this calculator handle collectibles?

It includes a simplified collectibles estimate. Collectibles may be taxed differently from ordinary long-term capital gains, so users should confirm treatment before relying on the result.

Why is this only an estimate?

Capital gains tax can depend on exact income, basis, holding period, losses, asset type, depreciation, exclusions, state law, local tax rules, and other facts. This calculator is a planning tool, not a tax return.