Know the tax before you sell.

2026 FEDERAL ESTIMATE

See how holding period, income, and filing status can change the federal tax on one sale.

Estimate only — not tax advice. This simplified calculator does not replace Schedule D, Form 8949, Form 8960, IRS guidance, or advice from a qualified tax professional. Special asset rules, losses, deductions, and other income can change the result.

Describe the sale

STEP 1 OF 1

Sale proceeds

What you received after selling costs.

Cost basis

Purchase cost plus eligible adjustments.

Holding period

Filing status

Your 2026 income

Taxable income before this sale

Use income after deductions, excluding this gain. Do not enter gross salary.

MAGI before this sale (optional)

Used only for the 3.8% Net Investment Income Tax (NIIT). If blank, taxable income is used as a rough proxy.

Your entries stay in this tab and are not saved.

Start with the sale.

Enter proceeds and basis, then tell us whether the gain is short-term or long-term.

ESTIMATED FEDERAL TAX ON THIS SALE

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TAXABLE GAIN—

EFFECTIVE RATE—

AFTER-TAX PROCEEDS—

Where the gain goes

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After federal taxCapital gains / ordinary taxNIIT

TAX BEFORE NIIT——

ESTIMATED 3.8% NIIT——

TOP BAND REACHED——

Sale breakdown

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State taxes are not included. Most states that tax individual income generally treat capital gains as ordinary income, but rules and rates vary. Some states have no individual income tax.

See the 2026 federal rate bands used

Method: Long-term gains stack above the taxable income entered and fill the 2026 0%, 15%, and 20% bands. Short-term gains are measured as the added ordinary federal tax under 2026 brackets. NIIT is a simplified estimate using the entered MAGI (or taxable income as a proxy) and assumes this gain is net investment income.

2026 IRS adjustments IRS Publication 505 IRS NIIT guidance