Capital Gains Tax Calculator
Estimate your capital gains tax for 2025 or 2024. Enter your ordinary income and investment gains to see your short-term tax, long-term capital gains rate (0%, 15%, or 20%), and Net Investment Income Tax (NIIT).
Total Tax
$15,614
LTCG Tax Rate
15.00%
NIIT (3.8%)
$0
Effective Rate
12.49%
| Ordinary Income | $75,000 |
| Short-Term Capital Gains | $0 |
| Long-Term Capital Gains | $50,000 |
| Total Income | $125,000 |
| Federal Income Tax (ordinary + short-term) | $8,114 |
| Long-Term Capital Gains Tax (15.00%) | $7,500 |
| Net Investment Income Tax (NIIT, 3.8%) | $0 |
| Total Tax | $15,614 |
Frequently Asked Questions
What is the difference between short-term and long-term capital gains?
Short-term capital gains come from assets held for one year or less and are taxed at your ordinary income tax rates, which can be as high as 37%. Long-term capital gains apply to assets held for more than one year and benefit from preferential rates of 0%, 15%, or 20%, depending on your taxable income and filing status.
What are the 2025 long-term capital gains tax rates?
For 2025, long-term capital gains are taxed at 0% if your taxable income is below $48,350 (single) or $96,700 (married filing jointly). The 15% rate applies up to $533,400 (single) or $600,050 (MFJ), and income above those thresholds is taxed at 20%. These rates apply only to net long-term capital gains.
What is the Net Investment Income Tax (NIIT)?
The NIIT is an additional 3.8% tax on investment income -- including capital gains, dividends, interest, and rental income -- for taxpayers with modified adjusted gross income (MAGI) above $200,000 (single) or $250,000 (married filing jointly). The tax applies to the lesser of your net investment income or the amount of MAGI exceeding the threshold.
How does ordinary income affect my capital gains rate?
Your ordinary income effectively "fills up" the lower tax brackets first, pushing your capital gains into higher rate tiers. For instance, if your ordinary taxable income already exceeds the 0% capital gains threshold, all of your long-term gains will be taxed at 15% or 20%. This is why the same amount of capital gains can be taxed differently depending on your total income.