New York capital gains tax calculator
New York taxes capital gains on top of federal tax: up to 10.9% state; NYC residents add up to 3.876%.
Calculate my New York taxYour details
Your tax estimate
| Capital gain | $50,000 |
| Federal long-term rate | 15.0% |
| Federal CGT | $7,500 |
| Total federal tax | $7,500 |
| New York (10.9%) | $5,450 |
| Total tax | $12,950 |
| Net gain after tax | $37,050 |
Ways to reduce this bill
- Your New York state bill of $5,450 is significant. Installment sales and 1031 exchanges (for real estate) can spread or defer this tax.
What you would pay in New York
Long-term gains (assets held more than a year) for a single filer with $75,000 of other income:
| Gain | Federal + NIIT | New York | Total tax | You keep |
|---|---|---|---|---|
| $25,000 | $3,750 | $2,725 | $6,475 (25.9%) | $18,525 |
| $50,000 | $7,500 | $5,450 | $12,950 (25.9%) | $37,050 |
| $100,000 | $15,000 | $10,900 | $25,900 (25.9%) | $74,100 |
| $250,000 | $42,250 | $27,250 | $69,500 (27.8%) | $180,500 |
Short-term vs long-term gains in New York
Sell within a year and the federal government taxes the gain as ordinary income. On a $50,000 gain with the same income, that means $16,514 of tax if you sell short-term against $12,950 if you hold past one year, a difference of $3,564.
How we estimate New York tax
Up to 10.9% state; NYC residents add up to 3.876%. Where a state taxes gains as ordinary income on a sliding scale, the calculator applies the rate shown above to the whole gain, so for most people it is an upper estimate. Local and city income taxes are not included.
*Examples use 2026 IRS brackets, the standard deduction and the 3.8% Net Investment Income Tax. Change your filing status, income and holding period in the calculator above for your own figure.
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