This calculator estimates the tax owed on capital gains from selling stocks, property or crypto, based on your gain, holding period and country's rules. Updated June 2026.
2026 Investment Capital Gains Estimator
Capital Gains Tax Explained
Short-term capital gains (held < 1 year) are taxed at your ordinary income rate, usually between 22% and 37%. Long-term capital gains (held 1+ years) qualify for reduced tax rates of 0%, 15%, or 20%, depending on your total taxable income.
Example
If you made $10,000 profit from stocks held under a year, estimated tax is ~$2,400. If held longer, tax may drop to ~$1,500 depending on your bracket.
FAQ
- Do I owe capital gains on ETFs and mutual funds? Yes, most investment profits are taxed similarly to stocks.
- How do I lower capital gains tax? Hold assets over 1 year, use tax-loss harvesting, or invest in tax-advantaged accounts.
- Does this include state taxes? No, this calculator estimates federal tax only.
- When is capital gains tax due? It’s typically due when you file your tax return for the year the investment was sold.
- Do I owe tax if I didn’t sell? No, unrealized gains (you didn’t sell) are not taxable.
Understanding Capital Gains in 2026
The IRS distinguishes between short-term and long-term capital gains. Short-term gains, from assets held under 1 year, are taxed like regular income. Long-term gains from assets held 12+ months are taxed at lower rates—making long-term investing more tax-efficient.
It's important to consider not only how much you earn, but also how long you hold your investments. Tax-loss harvesting and contributing to Roth or 401(k) accounts can also help minimize your taxable gains.
This calculator is ideal for U.S. investors, day traders, or anyone planning to sell profitable assets in 2026. Use it to explore different outcomes before making a sale decision.
👉 Also try our Crypto Tax Calculator or Investment Growth Estimator.