Short- vs long-term capital gains calculator
Selling something you've held one year or less is taxed like wages; after that, at the lower long-term rates. Find the date it turns long-term and what waiting is worth in federal tax.
Other taxable income means after deductions (for most people, income minus the standard deduction), not counting this gain.
Sold short-term
$4,400
Show the math
tax(other income + gain) − tax(other income), ordinary brackets
$20,224.00 − $15,824.00 = $4,400.00
Ordinary brackets for 2026; held one year or less, the gain is taxed like wages.
Sold long-term
$3,000
Show the math
each part of the gain × the 0/15/20% rate of the band it falls in, stacked on other income
$20,000.00 × 15% = $3,000.00
Long-term capital gains bands for 2026; held more than one year.
Difference
$1,400
Show the math
short-term tax − long-term tax
$4,400.00 − $3,000.00 = $1,400.00
Ignores price changes while you wait, state tax and any losses you could offset.
Federal tax only, using 2026 figures (the latest we have for 0). State tax, losses you could offset and price changes while you wait aren't included. An estimate, not tax advice.
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