Capital Gains Tax Calculator

The single biggest factor in your investment tax bill is **how long you held the asset**. Sell in under a year and the gain is taxed as ordinary income at your top marginal rate. Hold for more than a year and it qualifies for the lower **long-term rates of 0%, 15% or 20%** — which rate depends on your total taxable income. Enter your gain, holding period and income to see both scenarios and the savings from waiting.

Tool Features

• Short-term tax at your ordinary marginal rate
• Long-term tax at the 0/15/20% rate by income
• Dollars saved by holding past the one-year mark
• Works for single and joint filers (2024 thresholds)

Common Usage

• Decide whether to sell now or wait a few weeks for long-term treatment
• Compare with ordinary income tax via the Income Tax Calculator
• Model the after-tax return with the Investment Return Calculator
• Note: the 3.8% Net Investment Income Tax is not included here