Capital gains tax applies when you sell an asset for more than you paid. The rate depends on how long you held it and your income.
Short-term capital gains (held < 1 year) are taxed as ordinary income — up to 37%.
Long-term capital gains (held ≥ 1 year) are taxed at 0%, 15%, or 20% depending on your income bracket.
The Net Investment Income Tax (NIIT) adds an additional 3.8% for high earners above $200K (single) or $250K (married).
Reach for this tool whenever a financial decision hinges on this type of calculation. Small differences in rate or term become large differences in total cost or return over multi-year horizons — differences that only become visible when you run the actual numbers.
A frequent error is using annual rates where monthly rates are required (or vice versa). Simply dividing an annual rate by 12 is only an approximation — the correct conversion for compound calculations uses the (1 + r)^(1/12) − 1 formula.
A first-time buyer models three scenarios before making an offer: 10%, 15%, and 20% deposit on a £280,000 property. The calculator shows exactly how the monthly payment and total interest cost change with each deposit level, making the decision visible rather than speculative.
0% for incomes up to $47,025 (single), 15% up to $518,900, and 20% above that (2024).
Yes. Crypto is treated as property by the IRS. Selling at a profit triggers capital gains tax.
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