Free Calculators Hub
Capital Gains Tax Calculator
Stacks short-term gains into ordinary income and applies TY2026 0/15/20% long-term preferential rates. Educational federal worksheet only.
Limitation: Educational estimate for U.S.
How to Estimate Capital Gains Tax
Enter ordinary taxable income first, then each gain type.
Choose filing status.
Ordinary income sets the starting rung
Preferential LTCG bands start above your ordinary taxable income (plus STCG in this combined model).
What the Combined Result Means
Estimated federal income tax on ordinary income plus STCG, and preferential tax on LTCG. Not Schedule D software.
Capital Gains Examples
All LTCG inside the 0% band
Scenario inputs
Primary result
Single zero-rate ceiling is $49,450; $10,000 LTCG stays at 0%.
LTCG starts at 15%
Scenario inputs
Primary result
Ordinary income already fills the 0% LTCG band.
STCG then LTCG
Scenario inputs
Primary result
STCG pushes the stack to the 0% ceiling; LTCG starts at 15%.
Educational estimate
Confirm with IRS Topic 409 / Schedule D instructions before filing.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorTY2026 Capital Gains Formulas
Educational stacking model from Rev. Proc. 2025-32 §4.03.
Formula
Short-term treatment
taxOrdinary = ordinarySchedule(ordinaryTaxableIncome + STCG)
Long-term preferential stack
LTCG fills 0% to zeroMax, then 15% to fifteenMax, then 20%
Scientific Background
Assumptions: net positive gains; no collectibles/§1250/NIIT; ordinary taxable income excludes LTCG. Limitations: full Schedule D ordering, wash sales, and 3.8% NIIT omitted. Sources: https://www.irs.gov/pub/irs-drop/rp-25-32.pdf; https://www.irs.gov/taxtopics/tc409.
Sources & review
Capital Gains Tax Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
July 22, 2026
IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/pub/irs-drop/rp-25-32.pdfIRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/taxtopics/tc409Free Calculator Hub methodology
Free Calculator Hub
/methodology
See our methodology and corrections policy.