US compliance
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.
Interactive calculator
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.
About this calculator
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.
Reviewed by Sarah Jenkins, CPA
Certified Public Accountant (CPA) & Certified Financial Planner (CFP Board)
Reviews consumer credit, US tax brackets, home mortgage amortization calculations, and IRS publication compliance.
Sources: Per IRS Publication / Freddie Mac guidelines/Tax Year 2025/IRS publications and instructions/Current federal bracket and filing-status reference material
Disclaimer: Mortgage and tax projections are based on Tax Year 2025 IRS regulations and standard amortization conventions. Under US regulatory laws, these calculations are for informational use only and do not constitute CPA, CFP, or legal financial advice.
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