2026 federal planning tool

Capital Gains Tax Calculator for Stocks, Crypto and Property

Estimate federal short- or long-term capital gains tax, 2026 rate stacking, home-sale exclusion and NIIT.

Your inputs

Build your estimate

Enter basis after purchase adjustments. The home exclusion is limited to $250,000, or $500,000 for a qualifying joint return.

Official rules and scope

Tax year 2026. Rules reviewed September 10, 2026. Results depend entirely on entered assumptions and omit state/local taxes and specialized return rules unless explicitly shown.

IRS Publication 15-T · IRS Publication 505 · IRS Publication 15 · IRS Revenue Procedure 2025-32

How capital gains are estimated

Gain equals proceeds minus adjusted basis, selling expenses and applied capital-loss carryover. Short-term gains use ordinary rates. Long-term gains stack above ordinary taxable income across the 2026 0%, 15% and 20% thresholds.

For 2026, the 0% ceiling is $49,450 for single filers, $98,900 for joint filers and $66,200 for heads of household. A 3.8% NIIT estimate applies where entered income exceeds the statutory threshold.

Crypto is treated as property under general federal tax principles. Specialized depreciation recapture, collectibles, QSBS and state rules are excluded.

Official sources