Federal Capital Gains Tax Estimator
When you sell an investment for more than you paid, the profit is a capital gain. How it is taxed depends mostly on how long you owned it and on your income. Enter the details to estimate what you might owe in federal tax. State tax may apply too.
About these numbers
Uses 2026 federal brackets. With “I’ll pick my rate,” the whole gain is taxed at the rate you choose. With “Estimate from my income,” the gain is added on top of the other taxable income you enter and taxed bracket by bracket. The net investment income tax is based on modified adjusted gross income, which is usually higher than taxable income, so this estimate uses taxable income as a rough stand-in and may understate it. State taxes, the alternative minimum tax, and other gains and losses during the year are not included.
This calculator is a hypothetical illustration for educational purposes only. Results are based on the assumptions you enter and the method described above, may vary with each use and over time, do not reflect any specific investment or the deduction of fees or taxes unless stated, and are not a guarantee of future results. The tool does not consider every investment, account type, or strategy that may be available to you. It is not investment, tax, or legal advice. Investing involves risk, including possible loss of principal. 4:8 Financial does not provide tax or legal advice; please consult your CPA or attorney regarding your specific situation.
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