Held over 1 year · 2026 tax year
Long-Term Capital Gains Tax Calculator
For assets you've held more than a year, see whether your gain is taxed at 0%, 15%, or 20% — plus the 3.8% NIIT and any state tax.
Short answer
Long-term gains — on assets held more than a year — get the preferential federal rate of 0%, 15%, or 20% based on your taxable income, far below the ordinary rates on short-term gains. High earners add the 3.8% NIIT, and most states tax the gain too. The calculator is preset to long-term below.
Your after-tax gain
$139,600.00
$60,400.00 total tax · 30.2% effective · long-term
- Capital gain
- $200,000
- Federal capital gains tax
- −$30,000.00
- Net Investment Income Tax (3.8%)
- −$3,800.00
- State tax
- −$26,600.00
- Total tax
- −$60,400.00
2026 long-term capital gains tax brackets
Your long-term rate is set by your total taxable income (the gain stacks on top):
| Long-term rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 0% | Up to $49,450 | Up to $98,900 | Up to $66,200 |
| 15% | $49,450 – $545,500 | $98,900 – $613,700 | $66,200 – $579,600 |
| 20% | Over $545,500 | Over $613,700 | Over $579,600 |
Frequently asked questions
What is the long-term capital gains tax rate for 2026?+
Long-term gains (assets held more than a year) are taxed at 0%, 15%, or 20% based on your total taxable income. For 2026 the 0% rate applies while taxable income including the gain stays under about $49,450 single / $98,900 married; 15% up to roughly $545,500 single / $613,700 married; and 20% above that. The gain stacks on your other income, so it can be split across two rate bands.
How long do I have to hold an asset for the long-term rate?+
More than one year — a year and a day. If you buy on January 1 and sell exactly one year later on January 1, that's still short-term; selling on January 2 makes it long-term. That one extra day can cut the tax rate from your ordinary rate (up to 37%) down to 15% or 20%, so it often pays to wait past the anniversary.
Can my long-term capital gains really be taxed at 0%?+
Yes. If your total taxable income (including the gain) stays under the 0% ceiling — about $49,450 single or $98,900 married filing jointly for 2026 — the long-term gain in that band is taxed at 0% federally. Retirees and lower-income years are common cases. The gain still counts toward the income that fills the 0% band, so only the portion under the ceiling gets the 0% rate.
Do I still owe the 3.8% NIIT on long-term gains?+
Possibly. The Net Investment Income Tax adds 3.8% on top of the 0/15/20% rate for higher earners — when your modified AGI exceeds $200,000 single or $250,000 married. It applies to the smaller of your investment income or the amount over the threshold, so a gain that crosses the line is only partly affected. The calculator adds it automatically.
Held it a year or less? Use the short-term capital gains calculator, or see all capital gains tax rates.
This is an estimate, not tax advice, using projected 2026 brackets. Your actual tax can differ with deductions, other income, and asset-specific rules. Consult a tax professional before relying on it.