Capital Gains Tax Calculator (2026)
Classify short vs. long-term and estimate the 2026 federal capital-gains tax owed.
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Inputs
$
$
≥365 = long-term
$
Long-term gain tax
$2,250.00
Gain $15,000.00 at 15.0%
Net proceeds
$32,750.00
Classification
Long-term
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How it works
Long-term (held over 1 year) rates for 2026 are 0/15/20% based on your total income and filing status. Short-term gains are taxed at your ordinary marginal rate.
Frequently asked questions
Are these amounts an exact tax bill?
No. They use verified 2026 IRS/SSA figures but ignore credits, phase-outs and AMT. Use tax software or a CPA to file.
Marginal vs effective rate?
Marginal is the rate on your next dollar. Effective is total tax ÷ taxable income — always lower because earlier brackets fill first.
Standard or itemized?
Take whichever is larger. 2026 standard deduction: Single $16,100 · MFJ $32,200 · HoH $24,150 · MFS $16,100.
How is state tax handled?
Eight states impose no income tax. The rest are approximated at their top rate — see your state's brackets for a precise figure.
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