Capital Gains Tax Brackets Lookup
See which long-term capital gains rate, 0, 15, or 20 percent, applies to your income.
Your long-term capital gains rate
0%
A reference estimate, not tax advice. Runs entirely in your browser, nothing is uploaded.
How to use this tool
- Enter your total taxable income, which is income after deductions, including the gain itself.
- Pick your filing status.
- Click Find my bracket to see which IRS capital gain tier, 0, 15, or 20 percent, your long-term gains fall into.
This capital gains tax brackets tracker is meant as a quick reference. It shows the rate band your taxable income lands in, so you can see where the income bracket for long term gains starts and stops.
How the brackets work
Long-term capital gains, on assets you held more than a year, are taxed at lower rates than ordinary income. The IRS sets three tiers for this asset levy: 0, 15, and 20 percent. Where you land depends on your taxable income and filing status. Your ordinary income fills the lower band first, so gains stacked on top can spill into a higher tier.
The thresholds below reflect the 2024 tax year. They move with inflation each year, so confirm the current figures before you file.
A real example
A single filer with 60,000 dollars of taxable income sits above the 47,025 dollar 0 percent ceiling but well under the 518,900 dollar 20 percent floor. Their long-term gains are taxed at 15 percent. If that same person earned only 40,000 dollars, they would fall under the 0 percent ceiling and owe no federal tax on qualifying long-term gains.
Common questions
What counts as a long-term capital gain?
A gain on an asset, such as stock or property, that you held for more than one year before selling. Assets held a year or less are short-term and taxed as ordinary income, not at these rates.
Does my whole income get taxed at one rate?
No. The rate shown applies to your long-term gains, not your wages. Ordinary income still uses the regular progressive brackets. Your gains can also straddle two tiers if they push you across a threshold.
What tax year do these thresholds use?
The 2024 tax-year figures. The 0, 15, and 20 percent breakpoints are adjusted for inflation annually, so check the latest IRS numbers before filing.
Are state taxes or the net investment income tax included?
No. This tool only shows the federal long-term capital gains tier. Many states tax gains separately, and high earners may owe an extra 3.8 percent net investment income tax.
Is this official tax advice?
No. It is an educational reference estimate. Your actual liability depends on credits, other income, and your full situation. Confirm with a tax professional or the IRS.