US Capital Gains Tax Calculator
Calculate US federal capital gains tax on stocks, real estate, and other assets — with LTCG 0%/15%/20% rates and STCG ordinary income rates for 2024.
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How to use this calculator
- 1
Enter the sale price and your cost basis (purchase price plus commissions, fees, and improvements for real estate).
- 2
Enter holding period in months — over 12 months qualifies for lower long-term rates.
- 3
Enter your other ordinary income — this determines which LTCG bracket you fall into.
- 4
High earners may also owe the 3.8% Net Investment Income Tax (NIIT) on investment gains.
Frequently asked questions
What are the 2024 long-term capital gains tax rates?
0% rate: income up to $47,025 (single) or $94,050 (MFJ). 15% rate: income between $47,025–$518,900 (single) or $94,050–$583,750 (MFJ). 20% rate: income above $518,900 (single) or $583,750 (MFJ). High earners may also owe the 3.8% NIIT on top of these rates.
What is the Net Investment Income Tax (NIIT)?
The NIIT is a 3.8% surtax on investment income (capital gains, dividends, interest, rental income) for high earners — single filers with modified AGI above $200,000 and MFJ above $250,000. It applies to the lesser of your net investment income or the amount your MAGI exceeds the threshold.
Is real estate subject to capital gains tax?
Yes, but with a major exclusion: if you've lived in your primary home for at least 2 of the last 5 years, you can exclude up to $250,000 of gain ($500,000 MFJ) from capital gains tax. Gains above the exclusion are taxed at LTCG rates. Investment properties don't qualify for this exclusion.
Can I offset capital gains with losses?
Yes — this is called "tax-loss harvesting." Capital losses first offset capital gains of the same type (STCL against STCG, LTCL against LTCG), then offset either type. Net capital losses up to $3,000 can be deducted against ordinary income annually; any unused loss carries forward to future years.
US Capital Gains Tax Calculator 2024 — LTCG 0%/15%/20% rates
How to use the us capital gains tax
Use this us capital gains tax to federal capital gains tax on stocks, real estate, and other assets — with ltcg 0%/15%/20% rates and stcg ordinary income rates for 2024. Enter your values above and get your result in seconds. The tool is free, works on all devices, and keeps your data private — nothing is stored or shared.
How the us capital gains tax works
The us capital gains tax calculator uses standard formulas used in financial planning, budgeting, and investment decisions. Enter your inputs, and the tool calculates the result instantly in your browser. No server-side processing means your data stays on your device. Results update in real time as you change inputs.
Why holding period matters so much
Selling stock after 12 months vs. at 11 months can be the difference between a 0–20% tax rate and a 22–37% rate. On a $50,000 gain, that's potentially $10,000+ in extra taxes for selling one month early. Always calculate your holding period before selling appreciated investments.
Tax-loss harvesting strategy
If you have unrealized losses in your portfolio, you can sell those positions to generate capital losses that offset your capital gains — reducing or eliminating your tax liability. Wash-sale rule: you cannot repurchase the same or "substantially identical" security within 30 days before or after the sale or the loss is disallowed.
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