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Long-Term Capital Gains Tax Calculator
Applies TY2026 preferential LTCG 0/15/20% ceilings stacked above ordinary taxable income. Educational only.
Limitation: Educational estimate for U.S.
How to Estimate LTCG Tax
Stack preferential rates above ordinary taxable income.
Choose filing status.
Pair with the combined tool
If you also have short-term gains, use the Capital Gains Tax Calculator so STCG raises the stacking floor first.
What the LTCG Result Means
Preferential federal tax on long-term gains plus ordinary tax on the ordinary slice.
LTCG Examples
Joint filer still in 0%
Scenario inputs
LTCG tax
Joint zero-rate ceiling is $98,900.
Single into 15%
Scenario inputs
LTCG tax
Entire $20,000 LTCG at 15%.
Into 20%
Scenario inputs
LTCG tax
Above the 15% maximum rate amount.
Educational estimate
Broker 1099-B basis adjustments can change net gains before this worksheet.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorTY2026 LTCG Preferential Bands
Rev. Proc. 2025-32 §4.03 maximum zero-rate and 15% rate amounts.
Formula
0% room
ltcgAt0 = min(LTCG, max(0, zeroMax − ordinaryTaxableIncome))
15% then 20%
Remaining LTCG fills to fifteenMax at 15%, then 20%
Scientific Background
Assumptions: net positive LTCG; no NIIT/collectibles. Sources: https://www.irs.gov/pub/irs-drop/rp-25-32.pdf; https://www.irs.gov/taxtopics/tc409.
Sources & review
Long-Term 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.