Model your estimated tax liability on stocks, cryptocurrencies, and real estate. Compare short-term vs long-term holding rates to see how much you save by waiting for preferential tax brackets.
Section 121 / Primary Residence Exclusion: If selling your primary home in the US, up to $250,000 ($500,000 for married couples) of capital gain is completely tax-free if you lived in it for at least 2 of the past 5 years. In the UK, Private Residence Relief (PRR) offers equivalent 100% relief.
Estimated Capital Gains Tax
$6,270
You are currently modeling a Short-Term sale (<1 year), which is taxed at your higher ordinary rate. If you wait until the 1-year holding mark, your estimated tax drops from $6,270 to $4,275, keeping an extra $1,995 in your pocket.
Step-by-step audit of gross proceeds, deductions, offsets, and net returns
Tax-Loss Harvesting: If you hold losing positions in other stocks or cryptocurrencies, selling them before December 31 allows you to offset dollar-for-dollar against this capital gain, effectively reducing your taxable bill.
Wash-Sale Rule Reminder (US): If you sell an asset at a loss to harvest tax savings, you cannot repurchase the same or substantially identical security within 30 days before or after the sale without disallowing the loss.
This tool helps you estimate the taxes owed when you sell an asset for a profit. It differentiates between short-term trades and long-term investments to give you an accurate picture of your true net proceeds.
Investors, day traders, and homeowners looking to sell their primary residence or rental properties. If you're a freelancer managing multiple income streams, try pairing this with our quarterly tax calculator to stay ahead of the IRS.
Example Input
Bought 100 shares of Apple at $150. Sold after 2 years at $190. Married filing jointly with $100k income.
Sample Output
The $4,000 profit is taxed at the favorable 15% long-term rate, resulting in a $600 capital gains tax, netting $3,400.
Example Input
Bought $5,000 of Bitcoin. Sold 3 months later for $8,000. Single filer with $80k income.
Sample Output
The $3,000 profit is taxed at ordinary income brackets (22%), costing $660 in taxes because it was held for less than a year.
Run scenarios before you hit the sell button. By waiting just a few extra weeks to hit the one-year mark on an investment, you could drop your tax rate by 10% or more. Consider checking our compound interest calculator to see what reinvesting those tax savings could yield.
Always include your exact holding period and your comprehensive taxable income. Your overall income dictates your capital gains bracket. Review our US federal tax brackets guide for a deeper understanding of how these thresholds overlap.
Many people forget to factor in state capital gains taxes, which can reduce the final result. Another mistake is ignoring the wash-sale rule when claiming losses. Compare outcomes using a tax withholding calculator to review the broader tax picture.
Short-term gains apply to assets held for one year or less and are taxed as ordinary income. Long-term gains apply to assets held longer than a year and benefit from lower, preferential tax rates.
In the US, you can often exclude up to $250,000 (or $500,000 if married filing jointly) of capital gains from the sale of your primary home, provided you meet certain ownership and use tests.
Common strategies include holding assets for over a year, utilizing tax-advantaged accounts like IRAs, tax-loss harvesting to offset gains, and investing in Opportunity Zones.
Taxable gain depends on adjusted cost basis, selling expenses, holding period, other gains and losses, filing status, and total taxable income. Brokers may not know every basis adjustment, so reconcile the calculation with your 1099 and tax records.
Model holding periods and tax brackets with complete privacy. Our calculator estimates federal and state capital gains liabilities locally in your browser without requiring you to link brokerage accounts or enter personal investor credentials.
Follow this 3-step planning sequence to compare the current calculator with the next useful financial or career check.
Current calculation completed with your latest planning inputs.
Calculate your personal savings rate from your income and expenses, with an optional comparison range.
Access all salary, tax, and career calculators in one unified hub.
Pair this calculator with related tools to compare salary, tax, savings, and career outcomes.
Estimate your US tax withholding and compare a projected refund or balance due using the assumptions shown.
Estimate your US quarterly estimated tax payments for freelancers, contractors, and self-employed individuals.
Estimate self-employment SECA taxes, quarterly advance estimates, and federal income taxes for independent contractors.
Track total assets minus liabilities with Debt-to-Asset Ratio diagnostics and asset distribution breakdown.
Estimate how recurring Roth IRA contributions may grow toward retirement.
Compare paying down mortgage principal early against investing surplus cash in the stock market. Factors in tax drag, market hurdle rates, and net wealth.
Master the difference between marginal and effective tax rates, explore the latest IRS income tax brackets, and learn how standard deductions and 401(k) contributions maximize take-home pay.
Explore our dedicated calculators to systematically plan your career, estimate taxes, and manage your financial growth.