Capital Gains Calculator

Calculate federal and state capital gains tax on stocks, real estate, or other investments. Compare short-term vs long-term rates, factor in the Net Investment Income Tax (NIIT), and see your net proceeds after tax.

Purchase Price (Cost Basis) ($)

$0$1,000,000

Sale Price ($)

$0$1,000,000

Holding Period

Filing Status

Other Taxable Income ($)

Your taxable income excluding capital gains

State (for state tax estimate)

Capital Gain

$25,000.00

Long-Term | Single

Net ProceedsFederal Tax

Federal Tax

$3,750.00

15.00% rate

Total Tax

$3,750.00

15.00% effective

Net Proceeds

$71,250.00

NIIT (3.8%)

$0.00

Does not apply

Tax Breakdown

Sale Price$75,000.00

Cost Basis (Purchase Price)-$50,000.00

Capital Gain+$25,000.00

Federal Capital Gains Tax (15.00%)-$3,750.00

Total Tax Owed-$3,750.00

Net Proceeds After Tax$71,250.00

Effective Tax Rate on Gain15.00%

Net Investment Income Tax (NIIT) Details

NIIT Threshold (Single)

$200,000

Your Total Income (incl. gains)

$110,000

NIIT Status

Does Not Apply

The 3.8% NIIT applies to the lesser of your net investment income or the amount by which your modified adjusted gross income exceeds the threshold for your filing status.

Short-Term vs. Long-Term Comparison

Short-Term (<1 year)

Federal Rate

24.00%

Federal Tax

$5,689.50

Total Tax

$5,689.50

Net Proceeds

$69,310.50

Effective Rate

22.76%

Long-Term (>1 year)(selected)

Federal Rate

15.00%

Federal Tax

$3,750.00

Total Tax

$3,750.00

Net Proceeds

$71,250.00

Effective Rate

15.00%

Long-Term Savings

By holding for more than one year, you would save $1,939.50 in taxes, keeping $1,939.50 more in net proceeds.

2024 Long-Term Capital Gains Tax Brackets (Single)

Rate	Taxable Income Range	Your Status
0%	$0 - $47,025
15%	$47,025 - $518,900	Your bracket
20%	$518,900 - No limit

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How to Use Capital Gains Calculator

1Enter your purchase price and sale price.
2Select holding period and filing status.
3Input your taxable income for rate determination.
4View federal tax, NIIT, and net proceeds.

Frequently Asked Questions

What is the capital gains tax rate?▾

Short-term gains (held <1 year) are taxed as ordinary income (10-37%). Long-term gains (held >1 year) are taxed at preferential rates: 0% (income under ~$44k), 15% (~$44k-$492k), or 20% (above ~$492k) for single filers in 2024.

What is the Net Investment Income Tax?▾

The NIIT is an additional 3.8% tax on investment income for individuals with modified AGI above $200,000 (single) or $250,000 (married filing jointly). It applies on top of regular capital gains tax.

How do I reduce capital gains tax?▾

Strategies include holding investments over 1 year for long-term rates, tax-loss harvesting to offset gains, using tax-advantaged accounts (IRA, 401k), and timing sales in lower-income years.

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About Capital Gains Calculator

NexTool's Capital Gains Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.