The US taxes capital gains differently depending on how long you held the asset. Long-term capital gains (assets held more than one year) are taxed at preferential rates of 0%, 15%, or 20% based on your total taxable income — significantly lower than ordinary income rates. Short-term capital gains (...
Enter taxable income before the capital gain
Asset held more than 1 year
TOTAL TAX ON GAIN
$7,500.00
Effective rate: 15.0%
GAIN
$50,000.00
CGT
$7,500.00
EFFECTIVE
15.0%
LONG-TERM GAIN BREAKDOWN
LONG-TERM vs SHORT-TERM
Live diagram · updates as you type
Select your filing status — Single, Married Filing Jointly, Married Filing Separately, or Head of Household.
Enter your ordinary income (wages, salary, business income) before capital gains. This determines where your gains sit in the bracket stack.
Enter your capital gain amount and choose whether it is long-term (held > 1 year) or short-term (held ≤ 1 year).
The calculator shows your federal capital gains tax, effective rate, and whether NIIT applies. Use the breakdown chart to see exactly which rate applies to each dollar of your gain.
Sarah is single with $80,000 in wages and a $50,000 long-term capital gain from selling stock in 2025. Her total taxable income is $130,000. The 0% LTCG rate applies up to $48,350 — but her ordinary income of $80,000 already fills that bracket. So her entire $50,000 gain falls in the 15% bracket. Tax = $50,000 × 15% = $7,500. Her MAGI of $130,000 is below the $200,000 NIIT threshold, so no NIIT applies. Effective rate on the gain: 15%.
| RATE | SINGLE | MFJ | MFS | HEAD OF HOUSEHOLD |
|---|---|---|---|---|
| 0% | ≤ $48,350 | ≤ $96,700 | ≤ $48,350 | ≤ $64,750 |
| 15% | ≤ $533,400 | ≤ $600,050 | ≤ $300,000 | ≤ $566,700 |
| 20% | > $533,400 | > $600,050 | > $300,000 | > $566,700 |
Short-term gains taxed as ordinary income at 10%–37%. NIIT: +3.8% if MAGI > $200k (single) / $250k (MFJ). Source: IRS Rev. Proc. 2024-40.
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Rates: IRS Rev. Proc. 2024-40 · Tax year 2025 · Last updated: April 25, 2026 · Formula verified by EagleCalculator team · For informational purposes only — consult a tax professional · Eagle-eyed accuracy for every calculation.