Long-Term Capital Gains Tax Calculator (2026)
Held your investment more than a year? Long-term capital gains are taxed at 0%, 15%, or 20% — far less than ordinary income. This calculator shows your exact rate and tax.
About this tool
Long-term capital gains get preferential tax rates vs. short-term gains taxed as ordinary income. Where you fall in the 0/15/20% brackets depends on total income — this calculator stacks the gain correctly on top of your other income.
How to use it
Quick steps to get the most out of this utility.
- 1
Enter your asset sale details
Purchase price, sale price, fees, and purchase date.
- 2
Confirm long-term holding
Held more than 365 days — calculator auto-verifies.
- 3
Enter your income
Other ordinary income determines which LTCG bracket applies.
- 4
See your tax
Federal LTCG, NIIT, and state tax with effective rate.
Why Long-Term Gains Are So Valuable
The difference between short-term and long-term treatment can be enormous. A single filer with $95,000 of ordinary income who sells stock for a $50,000 gain: short-term would add $50,000 to ordinary income, taxed at 22-24% ($11,000-12,000 in federal tax). Long-term: the entire $50,000 is taxed at 15% = $7,500 in federal tax. Waiting one day past 365 days saved $3,500-4,500 in this example.
Frequently asked questions
How do I know which LTCG bracket I'm in?+
The LTCG bracket depends on your total taxable income (ordinary income + long-term gains). For 2026 single filers: 0% up to $48,350, 15% from $48,350 to $533,400, 20% above. But the gain stacks on top of ordinary income — if ordinary income is $90,000, the 0% bracket is already used up, and all gains are taxed at 15%.
Does it matter if my gain is from stock vs real estate?+
For long-term gains: stocks, ETFs, and real estate (non-primary) are all taxed at 0/15/20% LTCG rates. Exception: Section 1250 depreciation recapture on rental real estate is taxed at up to 25%, and collectibles are taxed at up to 28%. Primary residence has a $250k/$500k exclusion before the LTCG rate applies.
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More views of the same calculator
Open main calculator →Same underlying engine, written for different use cases. Pick the angle that matches your situation.