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Capital Gains Tax USA Calculator
Estimate US short-term and long-term capital-gains tax for tax year 2025 using filing status and ordinary taxable income.
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Estimate U.S. capital gains tax
Model 2025 federal capital-gains tax by filing status, taxable ordinary income, short-term gain, and long-term gain. This simplified estimate excludes NIIT and special-rate assets.
Results
Short-term tax
$1,100
Long-term tax
$2,700
Total tax
$3,800
How to use it
- 01Choose filing status, enter ordinary taxable income, then enter short-term and long-term gains separately.
- 02Review the short-term tax, long-term tax, and combined capital-gains tax estimate.
- 03Use the result for planning and not as a replacement for brokerage statements or return-preparation software.
Result guide
- The result is limited to the basic federal capital-gains treatment modeled on the page and does not include every surtax or state tax effect.
- Long-term gain bands depend on filing status and the amount of ordinary taxable income already using part of the threshold.
- Short-term gains are generally taxed like ordinary income in this model.
Why this page matters
Capital-gains searches often come from investors testing whether sale timing changes the tax bill. The page is most valuable when it separates short-term and long-term treatment clearly.
This version is scoped to tax year 2025 and uses filing status plus ordinary taxable income to determine how much of the long-term gain falls into each rate band.
Frequently asked questions
Why do I need to enter ordinary taxable income too?
Because long-term capital-gains thresholds sit on top of your other taxable income, so the ordinary-income level affects which gain band is still available.
Does this include state taxes or NIIT?
No. This page focuses on the modeled federal capital-gains treatment and does not add every additional tax layer.
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