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Estimate the capital gains tax owed on the sale of an asset based on your income and holding period.
Capital Gain = Sale Price - Purchase Price
Short-term rate (held less than 1 year): ordinary income tax rate (10% to 37%)
Long-term rate (held 1 year or more): 0%, 15%, or 20% based on taxable income
A capital gain is the profit from selling a capital asset — such as stocks, real estate, or collectibles — for more than you paid for it.
Assets held for one year or less are taxed as short-term gains at ordinary income rates. Assets held longer than one year qualify for lower long-term capital gains rates.
For single filers: 0% on income up to $47,025, 15% up to $518,900, and 20% above that. These thresholds adjust annually for inflation.
Yes. Capital losses can offset capital gains dollar for dollar. If losses exceed gains, up to $3,000 can offset ordinary income per year, with the remainder carried forward.
Partially. Single filers can exclude up to $250,000 in gains on a primary residence; married filers can exclude up to $500,000, provided ownership and use tests are met.
Yes, in most states. State capital gains tax rates vary widely. Some states tax gains as ordinary income, while a few states have no income tax at all.