This calculator uses 2024 federal capital gains tax brackets. Short-term gains (held ≤ 1 year) are taxed as ordinary income. Long-term gains (held > 1 year) are taxed at 0%, 15%, or 20%. The 3.8% Net Investment Income Tax (NIIT) applies when modified AGI exceeds $200,000 (single) or $250,000 (MFJ). State taxes are estimates. This is for informational purposes only and not tax advice.