When is a gain long-term in 2026?

Held more than 365 days. 365 or fewer is short-term and uses ordinary rates.

What are the 2026 long-term brackets?

Single: 0% to $49,450, 15% to $545,500, then 20%. Joint: 0% to $98,900, 15% to $613,700. Those are taxable-income ceilings (Rev. Proc. 2025-32).

3.8% on the gain if MAGI is over $200,000 (single/HOH), $250,000 (joint), or $125,000 (MFS). The MAGI lines are not indexed.

Collectibles or 1250?

Not modeled. Those can be 28% or 25%. This page is listed stock / fund style gains.

Runs in your browser · Last updated 7 September 2026

Free Long-Term Capital Gains Calculator (US, 2026)

Free US long-term capital gains calculator for 2026. Holding period (365-day line), 0% / 15% / 20% brackets, optional 3.8% NIIT. Browser tool — nothing is uploaded.

Filing statusHolding (days)Cost basis ($)Sale proceeds ($)Other taxable income ($)Ordinary rate % (short-term)MAGI for NIIT ($)

More than 365 days is long-term (0% / 15% / 20% stacked on other taxable income). 365 or fewer days uses your ordinary rate. NIIT 3.8% starts at $200k MAGI ($250k joint, $125k MFS). Not Schedule D.

Holding

Long-term

Federal + NIIT

$2,333

Gain / loss

$25,000

Federal

$2,333

NIIT 3.8%

Rate used

15%

How to use this tool

Enter cost, proceeds, and holding days.
Set other taxable income so the 0% / 15% / 20% stack is right.
Type an ordinary rate for the short-term path and MAGI for NIIT.

Worked example

Single, $40,000 other taxable income, $20,000 long-term gain: $9,450 fits in the 0% band and $10,550 is taxed at 15% ($1,582.50). The same sale on day 365 is short-term at your ordinary rate (22% → $4,400 in the default).

Frequently asked questions

When is a gain long-term in 2026?: Held more than 365 days. 365 or fewer is short-term and uses ordinary rates.
What are the 2026 long-term brackets?: Single: 0% to $49,450, 15% to $545,500, then 20%. Joint: 0% to $98,900, 15% to $613,700. Those are taxable-income ceilings (Rev. Proc. 2025-32).
NIIT?: 3.8% on the gain if MAGI is over $200,000 (single/HOH), $250,000 (joint), or $125,000 (MFS). The MAGI lines are not indexed.
Collectibles or 1250?: Not modeled. Those can be 28% or 25%. This page is listed stock / fund style gains.
Uploaded?: No.