2026 Capital Gains Tax Calculator

Use the TaxReliefer 2026 Capital Gains Tax Calculator to estimate federal tax on net long-term capital gains and qualified dividends. Enter your filing status, ordinary taxable income, long-term capital gains, and qualified dividends to see how much may fall within the 0%, 15%, and 20% federal capital-gains tax ranges.


This free capital gains calculator is intended for simplified estimates involving investments such as stocks, bonds, mutual funds, exchange-traded funds, cryptocurrency, and other capital assets held for more than one year. Short-term gains are generally taxed as ordinary income rather than at preferential long-term capital-gains rates. The IRS also limits deductible net capital losses to $3,000 annually for most filers, or $1,500 for Married Filing Separately, with additional losses generally carried forward.

2026 Capital Gains Tax Calculator

Estimate the federal tax on net long-term capital gains and qualified dividends using the 2026 federal capital-gains rates.

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Enter taxable income after deductions, but before adding the long-term capital gains and qualified dividends entered below.
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Generally, gains from assets held for more than one year, after subtracting applicable long-term capital losses.
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Enter only dividends expected to qualify for the preferential long-term capital-gains tax rates.

Estimated Results

Ordinary taxable income $0
Preferential-rate income $0
Total taxable income $0
Taxed at 0% $0
Taxed at 15% $0
Taxed at 20% $0
Estimated capital gains tax $0
Effective rate on gains and qualified dividends 0%
Why ordinary income is required

Long-term capital gains are stacked above ordinary taxable income. Ordinary income may use some or all of the 0% and 15% capital-gains ranges before the long-term gain is applied.

Important: This calculator provides a simplified educational estimate of federal tax on most long-term capital gains and qualified dividends. It does not calculate ordinary income tax, short-term capital-gains tax, state tax, the 3.8% Net Investment Income Tax, alternative minimum tax, capital-loss carryovers, the home-sale exclusion, depreciation recapture, unrecaptured Section 1250 gain, collectibles, qualified small-business stock, cryptocurrency-specific adjustments, or every Schedule D rule. It is not tax, legal, accounting, or financial advice.