2026 federal, state and local taxes
Capital Gains Tax Calculator (2026)
Estimate 2026 federal and state capital gains tax on stocks, crypto or real estate, including the 3.8% NIIT and the $250k/$500k home sale exclusion.
Capital Gains Tax and What You Keep
SummaryTax Breakdown Line by Line
| Component | Amount |
|---|---|
| Sale Price | $180,000 |
| Less What You Paid | -$80,000 |
| Capital Gain | $100,000 |
| Section 121 Home Exclusion | -$0 |
| Federal Capital Gains Tax | -$15,000 |
| Net Investment Income Tax (3.8% NIIT) | -$380 |
| State Capital Gains Tax | -$9,300 |
| Proceeds After Tax | $155,320 |
How This Calculator Works
This calculator estimates the federal tax, the 3.8% Net Investment Income Tax (NIIT) and the state tax on a profit from selling stocks, funds, crypto or real estate. Enter what you paid, what you sold for and your other income for the year.
A gain on something you held more than a year sits on top of your other taxable income and is taxed at 0%, 15% or 20%. A gain on something held a year or less is taxed like wages, at 10% to 37%. If you sell your main home and lived in it for at least 2 of the last 5 years, Section 121 lets you leave out up to $250,000 of gain ($500,000 for Married Filing Jointly).
Frequently Asked Questions
What are the 2026 long-term capital gains tax brackets?
For a Single filer in 2026, the 0% rate covers taxable income up to $49,450. The 15% rate runs from $49,450 to $545,500, and the 20% rate applies above $545,500. For Married Filing Jointly, 0% goes up to $98,900 and 15% up to $613,700.
When do I owe the 3.8% Net Investment Income Tax (NIIT)?
You owe it when your modified adjusted gross income (MAGI) is above $200,000 (Single or Head of Household) or $250,000 (Married Filing Jointly). The tax is 3.8% of the smaller of your net investment income or the amount you are over that line.
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