Capital Gains Tax Calculator – Crypto, Stocks & Real Estate (US 2026)
Total Capital Gain
$30,000.00
Sale Price minus Cost Basis
Estimated Total Tax Owed
$6,000.00
Federal + State Combined
Net Profit (After Tax)
$24,000.00
Effective Tax Rate
20.0%
Financial and commercial tariff estimate only, not certified customs or tax advice.
Short-Term vs. Long-Term Capital Gains Tax Explained
When you sell an investment asset—such as stocks, ETFs, Bitcoin, Ethereum, or real estate—for more than you paid for it, the profit is subject to Capital Gains Tax:
- Short-Term Capital Gains (Held ≤ 1 Year): Taxed at your regular federal ordinary income tax bracket (10%, 12%, 22%, 24%, 32%, 35%, or 37%).
- Long-Term Capital Gains (Held > 1 Year): Taxed at significantly reduced preferential rates: 0%, 15%, or 20% depending on your total taxable income.
2026 Federal Long-Term Capital Gains Tax Brackets
| Tax Rate | Single Filers | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 0% | Up to $47,025 | Up to $94,050 | Up to $63,000 |
| 15% | $47,026 – $518,900 | $94,051 – $583,750 | $63,001 – $551,350 |
| 20% | Over $518,900 | Over $583,750 | Over $551,350 |
What is the Net Investment Income Tax (NIIT 3.8%)?
An additional 3.8% Medicare surtax applies to net investment income if your Modified Adjusted Gross Income (MAGI) exceeds $200,000 for single filers or $250,000 for married couples filing jointly.
Frequently asked questions
How is crypto capital gains taxed?
The IRS classifies cryptocurrency as property. Selling, trading one crypto for another, or spending crypto triggers a taxable event based on your cost basis in USD.
Can capital losses offset capital gains?
Yes! You can offset an unlimited amount of capital gains with capital losses. If your losses exceed gains, you can deduct up to $3,000 per year against ordinary income and carry forward the rest indefinitely.
What is the wash-sale rule?
The wash-sale rule prevents you from deducting a loss if you buy the same or substantially identical security within 30 days before or after the sale.
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