What are the 2024 long-term capital gains rates?

0% for income up to $47,025 (single) / $94,050 (MFJ); 15% for $47,026–$518,900 (single) / $94,051–$583,750 (MFJ); 20% above those thresholds. A 3.8% Net Investment Income Tax may apply above $200,000/$250,000.

How long must I hold an asset for long-term treatment?

More than one year (366+ days). Sold on exactly the one-year anniversary is short-term; one day later qualifies for long-term rates. This distinction can save tens of thousands in taxes.

Can capital losses offset ordinary income?

Capital losses first offset capital gains. Net remaining capital losses offset up to $3,000 of ordinary income per year ($1,500 MFS). Unused losses carry forward indefinitely.

Short-Term vs Long-Term Capital Gains Tax Calculator

Calculate capital gains tax for short-term (held 1 year or less, taxed as ordinary income) vs long-term (held more than 1 year, 0%/15%/20%) for 2024. Includes NIIT surcharge.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate capital gains tax for short-term (held 1 year or less, taxed as ordinary income) vs long-term (held more than 1 year, 0%/15%/20%) for 2024. Includes NIIT surcharge. Use the capital gains tax result to inform your calculation.

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Short-Term vs Long-Term Capital Gains Tax Calculator

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Frequently Asked Questions

What are the 2024 long-term capital gains rates?

How long must I hold an asset for long-term treatment?

Can capital losses offset ordinary income?