Tools · Individual
Capital gains tax calculator
See how much of your long-term gains and qualified dividends are taxed at 0%, 15% or 20% — and exactly where the 0% bracket runs out.
Tax year 2025
Free · no login
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Assets held over a year, plus qualified dividends (§1(h)).
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Wages, business and short-term gains, after deductions. Gains stack on top of this.
Tax on your long-term gains
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Your gains, stacked
Your ordinary income fills the brackets first; your gains stack on top and are taxed at the band they land in.
2025 long-term capital gains brackets
| Rate | Taxable income | Your gains here |
|---|
Gains are one piece. See the whole return.
The full estimator folds capital gains into your complete 1040 — wages, deductions, credits, NIIT and your refund or balance due.
Tax preparer? Use the 0% bracket headroom to plan year-end gain harvesting for clients — and show them the stack.