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Capital Gains Calculator

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Estimate investment gain, tax owed, and net proceeds.

  • 100% Free
  • No signup
  • Private & secure
  • Instant results
  • On your device

Private on your device

Your information stays on your device and is not uploaded.

Related tools

Enter purchase price, sale price, holding period, and short- or long-term tax rates to estimate capital gain, estimated tax, and after-tax proceeds.

Holding period crosses matter—one day beyond 12 months can shift federal rate bands significantly for large gains. Tax-loss harvesting offsets gains in taxable brokerage accounts.

Cost basis includes reinvested dividends and documented improvements for real estate—not just purchase price.

Estimated tax payments may be required when gains are large and withholding is insufficient.

How to use this tool

Enter purchase price, sale price, holding period (short or long term), and the federal tax rate that applies. Optionally enable NIIT and enter a state tax %. Calculate to see capital gain, estimated tax breakdown, and net proceeds after tax.

Worked example

Example: bought for $15,000 and sold for $22,000 with a 15% long-term rate produces a $7,000 gain and about $1,050 in estimated federal tax. Enabling NIIT adds roughly $266 more.

When to use this

  • Deciding whether to sell appreciated stock before year-end.
  • Estimating tax on RSU or ESPP sales after vesting.
  • Planning real estate sale with primary residence exclusion limits.

Common mistakes

  • Using sale price without subtracting commissions and fees from proceeds.
  • Treating collectibles or crypto with wrong rate assumptions.
  • Forgetting state taxes on gains in high-tax states.

How it works

Calculates capital gain or loss from purchase and sale price, then estimates tax using your short-term or long-term federal rate based on holding period. Optionally layers the 3.8% Net Investment Income Tax (NIIT) and a state tax rate. Losses show zero estimated tax; loss harvesting details are not modeled.

Limitations

Results are estimates for educational purposes and are not financial or tax advice. Actual costs, rates, and rules vary.

Privacy and file handling

Your data stays on your device and is not uploaded.

FAQ

Frequently asked questions

Is Capital Gains Calculator free?

Yes. It is free to use and you do not need to sign in or create an account.

Is my data private?

See the privacy note on this page. Many tools run on your device; some heavier file tools may use secure temporary processing when required.

Can I use Capital Gains Calculator on mobile?

Yes. Open this page on your phone or tablet, enter your inputs, and use the on-screen controls.

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