Estimate your 2026 long-term capital gains tax, including whether any of your gain qualifies for the 0 percent rate.
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Your Capital Gains Tax Estimate
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Blended Rate on Gain—
Net Investment Income Tax—
Formula
Long-term gains stack on top of ordinary income to determine which of the 0, 15, or 20 percent brackets apply.
Example
A single filer with $60,000 of other income and a $20,000 gain falls entirely in the 15% bracket, for a tax near $3,000.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
Can I really pay 0% capital gains tax?
Yes, if total taxable income stays under $49,450 single or $98,900 married filing jointly for 2026.
What is the Net Investment Income Tax?
A 3.8% surtax on investment income for higher earners, above $200,000 single or $250,000 married filing jointly.