Capital Gains Tax Calculator 2026
Calculate federal tax on stock, crypto or property gains for 2026 — short-term vs long-term (0%, 15%, 20%), stacked on your other income, plus the 3.8% net investment income tax.
Estimates only — not tax advice. Tax rules change and depend on your situation; check with the tax authority or a tax professional.
How to use
- 1Enter your other taxable income (after deductions) and filing status.
- 2Enter short-term and long-term gains.
- 3See the tax on your gains and the rate you pay.
How it's calculated
Short-term gains are taxed as ordinary income. Long-term gains stack on top of ordinary taxable income: 0% up to $49,450 single / $98,900 joint, 15% up to $545,500 / $613,700, then 20%. NIIT 3.8% applies above $200,000 / $250,000 of MAGI.
Frequently asked questions
What counts as long-term?
Assets held more than one year. Held one year or less is short-term and taxed like wages.
Can I really pay 0% on gains?
Yes — if your taxable income including the gains stays under $49,450 (single) or $98,900 (married filing jointly) in 2026.
Are collectibles and real estate depreciation different?
Yes: collectibles gains are taxed up to 28% and depreciation recapture on real estate up to 25%. This calculator covers stocks, funds, crypto and other capital assets.