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FreeUpdated Jan 2026Calculator

Capital Gains Tax
Calculator 2025

Calculate short-term and long-term capital gains tax for stocks, real estate, crypto, and other assets. Includes Net Investment Income Tax (NIIT) and qualified dividend rates.

Enter Assets Sold in 2025

Add each asset sale separately for accurate bracket calculation

Filing Information

Filing Status

Ordinary Income (before gains) AGI from wages, etc.

Asset Sales

Asset

Cost Basis

Proceeds

Hold

Additional Items

Qualified Dividends

Prior Year Capital Loss Carryover

Total Tax Owed

—

On all gains + dividends

LT Gains Tax

—

Long-term rate applied

ST Gains Tax

—

Ordinary income rate

Total Proceeds—

Total Cost Basis—

Short-Term Gains—

Long-Term Gains—

Loss Carryover Applied—

Qualified Dividends—

NIIT (3.8%) if applicable—

Total Capital Gains Tax—

LT Rate AppliedThresholdYour LT GainsTax

📉 Tax-Loss Harvesting Opportunity

Current gains tax bill—

Each $1,000 of harvested losses saves—

Ordinary income offset cap$3,000/yr

Wash-sale rule window30 days before/after

Understanding Capital Gains Tax

Short-Term vs Long-Term

Assets held 12 months or less are short-term and taxed at your ordinary income rate (up to 37%). Assets held more than 12 months qualify for preferential long-term rates: 0%, 15%, or 20% depending on income.

The Net Investment Income Tax (NIIT)

High-income taxpayers pay an additional 3.8% NIIT on the lesser of net investment income or the amount by which MAGI exceeds $200k (single) / $250k (MFJ). This applies to capital gains, dividends, interest, and passive rental income.

Capital Loss Harvesting

Realized losses offset gains dollar-for-dollar. Net losses up to $3,000 can offset ordinary income. Excess losses carry forward indefinitely. Beware the wash-sale rule: you cannot repurchase the same or substantially identical security within 30 days of the sale.

📊 2025 LT Capital Gains Rates

0% Rate (Single)Up to $48,350

0% Rate (MFJ)Up to $96,700

15% Rate (Single)$48,351–$533,400

15% Rate (MFJ)$96,701–$600,050

20% Rate (Single)Over $533,400

NIIT Threshold (Single)$200,000

NIIT Threshold (MFJ)$250,000

NIIT Rate3.8%

💡 Tax-Saving Strategies

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Hold 12+ months before selling to convert ST gains to LT gains — can cut your rate dramatically.