LEVEL 300 · STEP CLIMB

Capital Gains Tax Estimator

Estimate the tax drag and after-tax proceeds before selling an investment or other appreciated asset.

Enter the sale assumptions and rates you have reviewed, using 0 where none applies. Calculate an estimate, adjust an assumption, then explicitly save the version you want to keep.

1 · Sale and basis

Gross sale proceedsExpected gross proceeds before selling costs, not the gain.Adjusted cost basisAdjusted tax basis from your records, including applicable adjustments. It may differ from the original purchase price.Selling costs and feesSelling fees not already removed from gross proceeds. Do not subtract them twice.Capital losses available to offsetOnly capital losses available to offset this gain after tax-specific review. Enter 0 if none; this tool does not determine eligibility or netting order.

2 · Holding period

Whole months held (13+ modeled long-term)Completed whole months. This approximation uses 0–12 as short-term and 13+ as long-term. The legal test is generally more than one year; verify exact dates near the boundary.

3 · Rates for this scenario

Expected federal long-term rateEntered federal rate for the whole modeled gain when held 13+ months. This tool does not calculate income brackets or split gains across rates.Expected federal ordinary rateEntered federal rate used at 0–12 months. It is unused in the 13+ month scenario; enter 0 explicitly if not modeling it.Expected net investment income taxEntered NIIT rate applied to the whole modeled taxable gain. Actual NIIT is 3.8% on a limited base and may not apply; this tool does not determine eligibility. Enter 0 when inapplicable.Expected state tax rateEntered state rate for this scenario. Enter 0 where applicable; state deductions, exclusions and local tax are not calculated.

Model assumptions and limits

Rules checked in 2026. Reviewed October 18, 2026. This is not a tax return. Enter rates appropriate to the taxpayer and transaction. This is a flat-rate educational illustration, not a tax return or a bracket calculation. Net sale proceeds minus adjusted basis gives the gain; entered eligible losses reduce taxable gain no lower than zero. The selected federal, NIIT and state rates apply to that entire gain. NIIT actually applies at 3.8% to the lesser of net investment income or the amount by which modified adjusted gross income exceeds the applicable filing-status threshold; that test is not calculated here. Whole months cannot resolve exact holding dates or exceptions. Depreciation recapture, collectibles, qualified small-business stock, home-sale exclusions, loss limitations, surtax thresholds, and local tax are excluded. No loss deduction, refund or tax-payment schedule is calculated.

READY WHEN YOU ARE—

Enter the sale assumptions and rates you have reviewed, using 0 where none applies. Calculate an estimate, adjust an assumption, then explicitly save the version you want to keep.

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BEFORE USING THE ESTIMATE

Check the transaction behind the numbers.

Confirm adjusted basis, fees, eligible loss offsets and exact acquisition/sale dates. Review rates for the relevant tax year, income and filing status; this calculator does not select them. A zero estimate does not establish a deductible loss or refund.

IRS capital gains and losses → · IRS 2026 rate thresholds (§4.03) → · IRS net investment income tax →

Update a reviewed assumption above, calculate again, then save only the estimate you want to retain.

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Capital Gains Tax Estimator

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