Short vs Long-Term Capital Gains
Holding an investment over 1 year unlocks long-term capital gains rates of 0%, 15%, or 20% based on income. Under 1 year, gains are taxed as ordinary income (up to 37%). The difference can be massive — always wait out the 366th day if possible.
2026 Long-Term Rates (Single)
0% up to $48,350. 15% from $48,351 to $533,400. 20% above. Married filing jointly: 0% to $96,700, 15% to $600,050, 20% above. Add 3.8% Net Investment Income Tax above $200k single / $250k MFJ.
Tax-Loss Harvesting
Offset gains by selling losers. Up to $3,000 of net losses can offset ordinary income annually, with remainder carried forward. Watch the wash-sale rule: don't repurchase the "substantially identical" security within 30 days.
FAQ
Does this apply to retirement accounts?
No — 401(k)s and IRAs defer all taxes until withdrawal. Capital gains rules only apply to taxable brokerage accounts.
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Why Use This Capital Gains Calculator?
The Capital Gains Calculator runs entirely in your browser, which means three things matter for you. First, it's instant — there's no server round-trip, no upload, no waiting on someone else's queue. Second, it's private — nothing you enter ever leaves your device, which makes it safe for sensitive numbers, draft copy, or files you don't want sitting on a third party's servers. Third, it's free forever — no signup, no email capture, no "basic vs. pro" upsell. Open the page, get the answer, close the tab.
Common Use Cases
- Everyday lookups when you need a fast, reliable answer without installing an app
- Cross-checking results from another tool or spreadsheet when accuracy matters
- Quick reference during work calls, school assignments, or planning sessions
- Sharing the link with a colleague or friend who needs the same answer
- Bookmarking for repeat tasks that come up regularly throughout the week
Privacy & How Your Data Is Handled
Every calculation and every transformation in the Capital Gains Calculator runs locally in your browser using standard JavaScript. We don't upload your input to any server, we don't log it, and we don't pass it to a third-party API. The tool works the same whether you're on a fast home connection or completely offline once the page has loaded. If you want to verify this for yourself, open your browser's network tab and run the tool — you won't see any outbound request carrying your data.
Frequently Asked Questions
Is the Capital Gains Calculator really free?
Yes. Every tool on ClickSolveTools is free with no signup, no email capture, no paywalled "pro" features, and no usage limits. We don't sell your data and we don't run ads inside the tool itself.
Does the Capital Gains Calculator work on my phone?
Yes. The Capital Gains Calculator is mobile-first and works in any modern browser on iOS, Android, Windows, Mac, Linux, and ChromeOS. Inputs are touch-friendly, the layout is fully responsive, and nothing requires a desktop-only feature to function.
Do I need to sign up or install anything?
No. There's no account, no extension, no app to download. Open the page in any browser, use the tool, and close the tab when you're done. Your usage isn't tied to a profile.
Is my data safe?
Everything runs locally in your browser. We don't transmit your inputs, calculations, or files to any server. You can use the tool with full confidence even for sensitive information.