This calculator estimates the federal tax on your long-term capital gains — profits from selling assets such as stocks, funds, real estate, or crypto that you held for more than one year, taxed at 2025 rates.
How Long-Term Capital Gains Are Taxed
Long-term gains get preferential rates of 0%, 15%, or 20%, depending on your total taxable income. The gain stacks on top of your ordinary income to determine which rate applies. For 2025, a single filer pays 0% while total taxable income stays under $48,350, 15% up to $533,400, and 20% above that.
Worked Example
A single filer with $70,000 of other taxable income and a $20,000 long-term gain: the whole gain sits inside the 15% band, so the tax is about $3,000.
Short-Term vs Long-Term
- Long-term (held over 1 year): the favorable 0/15/20% rates above.
- Short-term (held 1 year or less): taxed as ordinary income, often at a much higher rate.
This estimates federal long-term tax only. It excludes the 3.8% Net Investment Income Tax on high earners and any state capital gains tax.