Short vs Long Capital Gains Calculator
Compare tax if an asset is sold short-term versus after long-term holding treatment.
Potential federal savings
$1,890
Long-term vs short-term
Capital gain
$21,000
Before tax
Short-term federal tax
$5,040
Long-term federal tax
$3,150
NIIT if applicable
$0
State tax either way
$840
Net after short-term tax
$15,120
Net after long-term tax
$17,010
Short-term gains are modeled as ordinary income. Long-term gains use 2025 capital gain brackets. State tax and NIIT are estimated separately.