US Capital Gains Tax Calculator (2025)

Estimate federal tax on a capital gain for 2025. Long-term gains use the 0/15/20% rates based on your income; short-term gains are taxed as ordinary income.

Investors and home sellers estimating federal tax on a profit from selling stocks, funds, crypto, or property.

For long-term gains, your gain is stacked on top of your other taxable income; the portion that falls in each 0/15/20% band is taxed at that rate. For short-term gains, the calculator adds the gain to your income and measures the increase in ordinary federal income tax.

Single filer with 50,000 of other taxable income and a 20,000 long-term gain: the gain stacks from 50,000 to 70,000, which is within the 15% band (above the 48,350 zero-rate threshold), so the tax is 15% of 20,000 = 3,000.

Most states tax capital gains as ordinary income at their own rates; a few have no income tax. State tax is not included here.

• Assuming all gains are taxed at 15% - the rate depends on your total income and can be 0% or 20%.
• Treating a short-term gain as long-term; holding period is measured from the day after purchase to the sale date.
• Forgetting state capital gains tax and the 3.8% NIIT, which can apply on top of these figures.

• Topic no. 409, Capital gains and losses - IRS (retrieved 2026-06-09)