Capital Gains Tax Calculator (2025)
Estimate your 2025 US federal capital gains tax on selling stock, crypto or other property. Enter what you paid, what you sold for, how long you held it, your other taxable income and filing status. The calculator works out your gain, whether it is long-term or short-term, the rate that applies, the tax owed and your net proceeds.
How to use the capital gains tax calculator
- Enter your purchase price (cost basis) and your sale price, plus any buy or sell fees.
- Enter how many months you held the asset and choose your filing status, then add your other taxable income for the year.
- Review the gain, the long-term or short-term badge, the rate applied, the estimated tax owed and your net proceeds.
Examples
Long-term stock sale, single filer
Bought at 20000, sold at 30000, held 18 months, taxable income 100000, filing single
Gain $10,000, long-term, taxed at 15%, tax owed $1,500, net proceeds $28,500
Short-term sale of the same shares
Bought at 20000, sold at 30000, held 6 months, taxable income 100000, filing single
Gain $10,000, short-term, taxed at the 24% ordinary rate, tax owed $2,400
Frequently asked questions
What is the difference between long-term and short-term capital gains?
If you hold an asset for more than 12 months before selling, the profit is a long-term gain and is taxed at the lower 0%, 15% or 20% federal rates. If you hold it for 12 months or less, it is a short-term gain and is taxed as ordinary income at your regular bracket, which is usually higher.
What are the 2025 long-term capital gains rates?
For 2025 the long-term rate is 0% for single filers with taxable income up to $48,350, 15% up to $533,400, and 20% above that. For married filing jointly the 0% band runs to $96,700 and 15% to $600,050; for head of household 0% runs to $64,750 and 15% to $566,700. These thresholds are the IRS 2025 inflation-adjusted figures.
How does the calculator decide my rate?
It stacks the gain on top of your other taxable income and picks the single bracket that the income-plus-gain total falls into, then applies that one rate to the whole gain. This is a simplification: a gain that straddles two brackets would, on a full Schedule D worksheet, be split across rates, so treat the result as a close estimate.
What if I sold at a loss?
If your sale price minus purchase price and fees is negative, you have a capital loss. The calculator shows a negative gain and zero tax owed. In a real return, capital losses can offset other gains and up to $3,000 of ordinary income per year, which this tool does not model.
Is my data private?
Yes. The calculation runs entirely in your browser. Your prices, income and filing status are never sent to a server or stored, so nothing leaves your device.
Is this tax advice?
No. This is an educational estimate of 2025 federal capital gains tax only. It does not include the 3.8% net investment income tax, state or local taxes, the wash-sale rule, loss carryovers, or other credits. Consult a qualified tax professional before making decisions.
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