Capital Gains Tax Calculator (2026)
Long-term gains are taxed at 0%, 15% or 20% depending on your total taxable income; short-term gains are taxed like wages. Enter your income and gains to see the 2026 federal tax on them.
2026 long-term capital gains brackets (taxable income)
| Filing status | 0% | 15% | 20% |
|---|---|---|---|
| Single | $0–$49,450 | $49,451–$545,500 | $545,501+ |
| Married filing jointly | $0–$98,900 | $98,901–$613,700 | $613,701+ |
| Head of household | $0–$66,200 | $66,201–$579,600 | $579,601+ |
| Married filing separately | $0–$49,450 | $49,451–$306,850 | $306,851+ |
Frequently asked questions
What is the 0% capital gains bracket for 2026?
Long-term gains are taxed at 0% while total taxable income stays at or below $49,450 for single filers, $98,900 for married couples filing jointly and $66,200 for heads of household.
How are gains stacked on top of other income?
Ordinary income fills the brackets first. Your long-term gains sit on top, so only the part of the gains that falls below the 0% threshold is tax-free, and the rest is taxed at 15% or 20%.
What is the net investment income tax?
An extra 3.8% on investment income, including capital gains, to the extent your modified AGI exceeds $200,000 (single), $250,000 (joint) or $125,000 (married filing separately). These thresholds are not adjusted for inflation.
Does selling my home count?
Gains on a main home are excluded up to $250,000 ($500,000 for couples) if you owned and lived in it for two of the last five years. Only the excess would be entered here.