Capital Gains Tax Calculator
Calculate short-term and long-term capital gains taxes on investments. See how holding period, filing status, and ordinary income affect your tax bill.
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Frequently Asked Questions
What is the difference between short-term and long-term capital gains?
Short-term gains on assets held less than one year are taxed at your ordinary income tax rate (up to 37%). Long-term gains on assets held one year or more are taxed at preferential rates of 0%, 15%, or 20% depending on your income.
How does ordinary income affect my capital gains tax?
Long-term capital gains "stack" on top of your ordinary income when determining which capital gains bracket applies. Higher ordinary income can push your gains into higher long-term capital gains brackets.
Is there an additional Medicare surtax on capital gains?
Yes. The Net Investment Income Tax (NIIT) adds a 3.8% surtax on investment income for individuals with modified AGI over $200,000 (single) or $250,000 (married joint). This calculator does not include the NIIT.
Can capital losses offset capital gains?
Yes. Capital losses first offset gains of the same type (short vs. long), then the other type. If net losses remain, you can deduct up to $3,000 per year against ordinary income and carry the rest forward.
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