Capital gains tax estimator (federal, 2025 rates)

Enter your figures. Long-term gain is stacked on top of your other taxable income and taxed at 0%, 15% or 20% using the 2025 IRS table [CGT2-0180, tax year 2025]. Short-term gain is taxed as ordinary income [CGT2-10767], so you enter your own ordinary rate, because the KB has no complete sourced ordinary-rate table. The 3.8% net investment income tax uses the lesser of your net investment income or MAGI over the threshold [CGT2-0105, CGT2-3778, tax year 2025]. This is for 'other gain' only, not collectibles, small business stock or unrecaptured section 1250 gain. State tax is not included because the KB has no sourced state rates.

Filing statusSingleMarried filing jointly or surviving spouseHead of householdMarried filing separately Taxable income before this gain ($) Long-term gain, held more than 1 year ($) Short-term gain, held 1 year or less ($) Your ordinary income tax rate on the short-term gain (%) Modified AGI including the gains ($) Net investment income including the gains ($) Estimate

As of October 20, 2026, based on Publication 550 (2025), Investment Income and Expenses, An Overview of Capital Gains Taxes | Tax Foundation, 26 U.S. Code § 1411 - Imposition of tax and Instructions for Form 8960, our research shows this may be the case. The law changes, so this could be outdated or wrong. Confirm with a licensed tax attorney or CPA before acting. This page is general education, not tax or legal advice for your situation.