What are the 2026 long-term capital gains tax rates?

For 2026, long-term capital gains rates are 0% (single filers with taxable income up to $48,350), 15% (up to $533,400), and 20% (above $533,400). Married filing jointly thresholds are $96,700, $600,050, and above.

The Net Investment Income Tax (NIIT) is an additional 3.8% tax on investment income including capital gains. It applies to single filers with MAGI above $200,000 and married filers above $250,000.

How much can I exclude on a home sale?

If you owned and lived in the home for at least 2 of the last 5 years, you can exclude up to $250,000 of gain (single) or $500,000 (married filing jointly) from capital gains tax.

What is the difference between short-term and long-term capital gains?

Assets held 1 year or less are taxed as ordinary income (short-term). Assets held more than 1 year qualify for preferential long-term rates of 0%, 15%, or 20%.

Capital Gains Tax Calculator (2026)

Calculate federal capital gains tax for stocks, crypto, and real estate. Includes LTCG rates, NIIT, state tax, and primary residence exclusion for 2026.

Purchase Price ?

Sale Price ?

Holding Period ?

Filing Status

Taxable Income (2026) ?

Capital Gain

—

Applicable Tax Rate —

Tax Owed —

Net After Tax —

Extended More scenarios, charts & detailed breakdown ▾

Purchase Price

Sale Price

Commissions / Fees ?

Holding Period

Taxable Income

Adjusted Capital Gain

—

Tax Rate —

Tax Owed —

Net After Tax —

Professional Full parameters & maximum detail ▾

Purchase Price

Sale Price

Holding Period

Filing Status

Taxable Income

Cost Basis Adjustments (improvements, commissions) ?

State Capital Gains Tax Rate ?

Capital Loss Offset ?

Modified AGI (for NIIT check) ?

Adjusted Capital Gain

—

Federal Capital Gains Tax —

State Capital Gains Tax —

NIIT (3.8%) —

Total Tax Owed —

Effective Tax Rate on Gain —

Net After All Taxes —

Note: Hold 1+ year to save —

How to Use This Calculator

Enter the Purchase Price (cost basis) and Sale Price of your asset.
Select whether your holding period is short-term (1 year or less) or long-term (over 1 year).
Enter your filing status and taxable income to determine which rate bracket applies.
Use the Real Estate tab to apply the primary residence exclusion.
Use the Professional tab for state tax, NIIT, and loss harvesting offsets.

Formula

Capital Gain = Sale Price − Adjusted Cost Basis
Long-Term Tax = Gain × LTCG Rate (0%, 15%, or 20%)
Short-Term Tax = Gain × Ordinary Income Rate
NIIT = Gain × 3.8% (if MAGI > $200K single / $250K married)

Example

Example: You bought stock for $10,000 and sold for $25,000 after 2 years. Gain = $15,000. With taxable income of $90,000 (single), the 15% LTCG rate applies. Federal tax = $15,000 × 15% = $2,250. Net proceeds = $22,750.

Frequently Asked Questions

For 2026, long-term capital gains rates are 0% (single filers with taxable income up to $48,350), 15% (up to $533,400), and 20% (above $533,400). Married filing jointly thresholds are $96,700, $600,050, and above.
The Net Investment Income Tax (NIIT) is an additional 3.8% tax on investment income including capital gains. It applies to single filers with MAGI above $200,000 and married filers above $250,000.
If you owned and lived in the home for at least 2 of the last 5 years, you can exclude up to $250,000 of gain (single) or $500,000 (married filing jointly) from capital gains tax.
Assets held 1 year or less are taxed as ordinary income (short-term). Assets held more than 1 year qualify for preferential long-term rates of 0%, 15%, or 20%.

Related Calculators

Sources & References (5) ▾

IRS — Topic 409: Capital Gains and Losses — Internal Revenue Service
IRS — Publication 550: Investment Income and Expenses — Internal Revenue Service
Tax Foundation — Capital Gains Tax Rates — Tax Foundation
IRS — Net Investment Income Tax (Topic 559) — Internal Revenue Service
IRS — Schedule D Instructions — Internal Revenue Service