US Capital Gains Tax Calculator (Stocks, Crypto, Real Estate)
Calculate 2026 short-term vs. long-term (0%, 15%, 20%) capital gains tax, Net Investment Income Tax (3.8%), and primary home exclusions.
Calculate 2026 short-term vs. long-term (0%, 15%, 20%) capital gains tax, Net Investment Income Tax (3.8%), and primary home exclusions.
Calculate 2026 short-term vs. long-term (0%, 15%, 20%) capital gains tax, Net Investment Income Tax (3.8%), and primary home exclusions. Calculate exact, penny-accurate projections compliant with 2026 IRS • St. Louis FED (FRED) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Taxable Gain = Sale Price - Cost Basis - Home Exclusion | Total Tax = Fed Bracket Tax + NIIT (3.8%) + State TaxRealized investment gains are computed in accordance with IRS Publication 550 and IRC Sections 1(h), 121, and 1411. Precision IEEE-754 decimal arithmetic executes progressive bracket stacking without floating-point roundoff drift.
Pre-calculated benchmark tables across different budgets, terms, and rate models.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
Assets held for one year or less before being sold are subject to short-term capital gains tax, which is taxed at your ordinary federal income tax rates (ranging from 10% to 37%). Assets held for longer than one year qualify for preferential long-term capital gains tax rates of 0%, 15%, or 20%, saving investors thousands of dollars.
The Net Investment Income Tax (NIIT) is an additional 3.8% Medicare surtax under IRC Section 1411 on net investment income (including capital gains, dividends, and rental income) for single filers with Modified Adjusted Gross Income (MAGI) over $200,000 or married couples filing jointly over $250,000.
Under IRS Section 121, if you sell your primary home and have owned and lived in it as your principal residence for at least two out of the last five years, you can exclude up to $250,000 of capital gain if filing single, or up to $500,000 if married filing jointly, with zero federal tax due.
Yes. The IRS treats virtual currencies, cryptocurrency trades, and NFTs as property under IRS Notice 2014-21. Selling crypto for USD, trading one coin for another, or purchasing goods with crypto triggers a taxable capital gains event.
Project retirement savings with employer match, compound returns, and IRS annual contribution limits.
Calculate 2026 IRS tax brackets, standard deduction, Social Security, Medicare, and take-home pay.
Calculate combined state and municipal sales tax for all 50 US states.