Tools · Taxes · One lot

Capital gains tax calculator

Federal tax on this sale: proceeds minus basis, more than one year vs not, then the 0 / 15 / 20% long-term stack on top of other taxable income. NIIT 3.8% flags if MAGI crosses the statutory floor. Type your state percent — this page does not scrape a state table. 2026 bands from Rev. Proc. 2025-32. Primer: short vs long. 0% harvest sequence is already tax-efficient withdrawals — no second playbook. Losses: harvest calculator.

The lot

Proceeds ($) Cost basis ($) Holding period

IRC §1222: long-term is more than one year. Day 365 is still short. Specific-ID the lot at the broker before the trade; FIFO is the default trap.

The return this gain sits on

Filing status Other taxable income ($) MAGI before this sale ($) State income tax % (yours, not a scrape)

Other taxable income is Form 1040 taxable without this gain — after the standard or itemized deduction. MAGI for NIIT is AGI-class; it is not the same number. Defaults are the worked slice in NOTES.

2026 sale

—

Educational estimate. One lot, stocks/funds in a taxable account. Collectibles (28%) and unrecaptured §1250 (25%) are not modeled. Qualified dividends use the same 0/15/20 stack but are not this sale. Home sale $250k / $500k is IRC §121, not this page. NIIT MAGI floors are statutory (IRC §1411) and not indexed: $200,000 single / HOH, $250,000 MFJ, $125,000 MFS. Sequence: tax-efficient withdrawals. Losses: wash-sale primer. Not advice.