Capital gains tax on $200,000
On a $200,000 long-term gain in 2026, federal tax runs from $20,168 (single, no other income) to $37,600 (single, $250,000 income). Selling within a year can cost much more.
Calculate with my incomeFederal tax on a $200,000 gain
| Situation | Capital gains tax | NIIT (3.8%) | Total federal | Effective rate |
|---|---|---|---|---|
| Single, no other income | $20,168 | $0 | $20,168 | 10.1% |
| Single, $50,000 income | $27,668 | $1,900 | $29,568 | 14.8% |
| Single, $100,000 income | $30,000 | $3,800 | $33,800 | 16.9% |
| Single, $250,000 income | $30,000 | $7,600 | $37,600 | 18.8% |
| Married filing jointly, $100,000 income | $25,335 | $1,900 | $27,235 | 13.6% |
| Married filing jointly, $250,000 income | $30,000 | $7,600 | $37,600 | 18.8% |
| Single, $100,000 income, held under a year | $54,964 | $3,800 | $58,764 | 29.4% |
Long-term gains are taxed at 0%, 15% or 20% depending on where the gain lands on top of your other taxable income, after the standard deduction. The 3.8% Net Investment Income Tax applies to the part of the gain that takes your income above $200,000 (single) or $250,000 (married filing jointly). Short-term gains are taxed as ordinary income at up to 37%.
State tax comes on top in most states. See the rate for California, New York, Texas, Florida or any other state from the list on the home page.
Your details
$
Income before capital gains. The 2026 standard deduction is subtracted automatically$
Sale price minus your cost basis (what you originally paid)2026 IRS rates — Rev. Proc. 2025-32
Your tax estimate
Estimated total tax on the gain
$32,850
on a $200,000 long-term gain
Effective rate: 16.4%
84%you keep
Net gain (you keep)$167,150
Federal CGT$30,000
NIIT (3.8%)$2,850
| Capital gain | $200,000 |
| Federal long-term rate | 15.0% |
| Federal CGT | $30,000 |
| Net Investment Income Tax (3.8%) | $2,850 |
| Total federal tax | $32,850 |
| Total tax | $32,850 |
| Net gain after tax | $167,150 |
Ways to reduce this bill
- You owe the 3.8% NIIT because your income exceeds the threshold. Tax-loss harvesting other positions this year can directly offset it.
Estimate only — 2026 IRS federal rates plus approximate state top marginal rates. Consult a tax professional before acting on these numbers.