Capital Gains Estimator — Short-Term vs Long-Term, In Numbers

See exactly how much tax a trade would owe — and how much the 1-year-and-a-day rule can save you. Editable bracket rates since your income decides them.

Quick answer: Free capital gains estimator: buy/sell price, holding period, and estimated US tax — 0%/15%/20% long-term brackets vs short-term ordinary rates, with editable rates.

Gain
Tax if long-term
Tax if short-term
Waiting saves

How to use

  1. Open this page on any device — no signup needed.
  2. Fill in the fields above.
  3. Get your result instantly — nothing is uploaded.

About this tool

US capital gains: held over 1 year = long-term at 0/15/20% (by income) + possible 3.8% NIIT over $200k; held under = short-term, taxed as ordinary income (10–37%). The difference on a $50k gain can exceed $5,000 — this estimator shows both scenarios side by side with editable rates so it stays honest as your bracket changes.

FAQ

Which long-term rate applies to me?
0% up to ~$47k taxable (single), 15% middle incomes, 20% above ~$518k — plus 3.8% NIIT above $200k MAGI. Adjust the rate field to yours.
Do losses help?
Yes — losses offset gains first, then up to $3,000/yr of ordinary income; the rest carries forward.

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