2026 Capital Gains Tax Calculator
See how much of your long-term capital gain is taxed at 0%, 15%, or 20% in 2026 — and exactly how much you can realize at the 0% rate (gain-harvesting).
Your taxable income excluding this capital gain (wages, pensions, IRA withdrawals, minus deductions).
How long-term capital gains are taxed
Assets held more than a year get preferential rates: 0%, 15%, or 20%. The catch — your gain stacks on top of your ordinary income. So your other income determines which rate the gain lands in.
The 0% harvesting opportunity
Retirees and anyone in a low-income year can realize long-term gains tax-free up to the 0% threshold ($49,450 single / $98,900 joint in 2026, minus your other taxable income). Doing this resets your cost basis higher at no federal cost. But beware: realized gains raise MAGI, which can affect Medicare IRMAA and the taxability of Social Security.
Related calculators
- 2026 Medicare IRMAA Calculator → — gains raise the MAGI that sets your premium
- Social Security Tax Calculator →
- Roth Conversion IRMAA Calculator →
General estimate of federal long-term capital gains tax using 2026 brackets. Excludes the 3.8% Net Investment Income Tax, state taxes, short-term gains (taxed as ordinary income), and collectibles. Not tax advice.