Calculate short-term and long-term capital gains tax on investments.
For tax bracket calculation
Long-term rate applies
Rate: 15.0%
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Short-term: Taxed as ordinary income (held ≤1 year)
Long-term: 0%, 15%, or 20% based on total income (held >1 year)
Long-term (held >1 year): 0%, 15%, or 20% depending on income. Short-term (held ≤1 year): taxed as ordinary income at 10-37%.
Long-term gains: $0 if income under $48,350 (single, 2025). 15% up to $533,400. 20% above that. Short-term gains taxed at your regular income rate.
Exclude up to $250,000 ($500,000 married) of gains if you lived in the home 2 of last 5 years. This is the primary residence exclusion.
Yes — crypto is property. Selling for profit triggers capital gains. Short-term if held ≤1 year, long-term if held longer. Track every transaction.
Selling losing investments to offset gains. Up to $3,000 of net losses can offset ordinary income annually. Losses carry forward indefinitely.
High earners (above $200K single / $250K married) pay an extra 3.8% NIIT on investment income including capital gains.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.