Capital Gains Tax Calculator (2025 Federal Rates)

How to use

1. Choose your filing status.
2. Enter ordinary taxable income before the sale.
3. Enter the long-term and short-term gains.
4. Add your state tax rate if your state taxes gains.
5. Calculate to see the bracket-by-bracket breakdown.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Selling shares, fund units, crypto or a house is a taxable event, and the rate you pay depends on how long you held and how much ordinary income you already report. This calculator applies the real 2025 IRS long-term capital gains brackets — 0% up to $48,350 of taxable income for single filers ($96,700 married filing jointly), 15% up to $533,400 ($600,050 joint), 20% above — by stacking your gain on top of ordinary income the way the Schedule D worksheet does. Short-term gains are taxed as ordinary income, the 3.8% net investment income tax applies over $200,000/$250,000 of MAGI, and an optional state rate covers states that tax gains as ordinary income. It is an educational estimate, not professional advice; nothing you enter leaves this page, and every figure is computed in your browser with 2025 constants in plain sight.

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