Estimated 2026 federal tax on this sale
$1,418
7.1% of your $20,000 gain, taxed at long-term rates
Total gain
$20,000
Taxable gain
$20,000
Rate on your gain
0% / 15%
Effective rate on the gain
7.1%
Net investment income tax (3.8%)
$0
After-tax proceeds
$48,583
From sale price to taxable gain
- Sale price
- $50,000
- Amount realized
- $50,000
- Cost basis
- −$30,000
- Total gain
- $20,000
- Taxable gain
- $20,000
Tax on the sale
- Federal tax at long-term capital gains rates
- $1,418
- Net investment income tax (3.8%)
- $0
- Total tax on the sale
- $1,418
- After-tax proceeds (amount realized minus tax)
- $48,583
- After-tax profit
- $18,583
After-tax proceeds are before repaying any mortgage or loan against the asset.
How much of your gain is taxed at 0%, 15% and 20%
Your other income leaves $38,900 of taxable income before the sale. The gain is added on top of it, so it fills the 0% bracket first (up to $49,450 of total taxable income for single), then the 15% bracket (up to $545,500), then 20%.
Short-term vs. long-term on this gain
| Holding period | Federal tax | Effective rate | After-tax profit |
|---|---|---|---|
| Held more than 1 year (long-term) | $1,418 | 7.1% | $18,583 |
| Held 1 year or less (short-term) | $3,250 | 16.3% | $16,750 |
No net investment income tax: your modified AGI with this sale is $75,000, which does not exceed the $200,000 threshold for single.
Estimate only. Not modeled: the alternative minimum tax, depreciation recapture and the 25% maximum rate on unrecaptured section 1250 gain, the 28% maximum rate on collectibles and qualified small business stock, other capital gains or losses this year (enter losses under “More options”), wash sales, installment sales, options, cryptocurrency specifics, partial home-sale exclusions, the surviving-spouse exclusion, and state-specific capital gains taxes.