Tax Calculator
See exactly how much you keep — and how to keep more
You Made$1.00M
IRS Takes$242,69624.3% of your gains
You Keep$757,30475.7% of your gains
If you hold everything for over a year, you'd save $160,944 in taxes — that's 45.0% less than selling now
Total Capital Gain$1.00M
Short-Term vs Long-Term Split50% Short-Term
Short-Term: $500,000Long-Term: $500,000
Your Tax Bill
$242,696
24.3% of your gains
You Could Save
$114,726
by holding longer
Your Top Tax Rate
35.0%
Extra Surtax
$30,400
Where Your Tax Goes
Total$242,696
Short-Term Tax
Long-Term Tax
NIIT
Hold Longer, Pay Less
Holding long-term saves $160,944 vs selling immediately
Short-Term Tax Brackets
10%
$0 – $12K
$1,19312%
$12K – $48K
$4,38622%
$48K – $103K
$12,07324%
$103K – $197K
$22,54832%
$197K – $251K
$17,03235%
$251K – $626K
$87,316Total$144,548
Long-Term Tax Brackets
0%
$0 – $48K
$015%
$48K – $533K
$67,748Total$67,748
What If You Held Longer?
| Scenario | Short-Term | Long-Term | Tax Owed | Eff. Rate | Savings |
|---|---|---|---|---|---|
| 100% Short-Term | $1.00M | $0 | $357,422 | 35.7% | — |
| 75% ST / 25% LT | $750,000 | $250,000 | $295,170 | 29.5% | $62,252 |
| 50% ST / 50% LTCurrent | $500,000 | $500,000 | $242,696 | 24.3% | $114,726 |
| 25% ST / 75% LT | $250,000 | $750,000 | $203,542 | 20.4% | $153,880 |
| 100% Long-Term | $0 | $1.00M | $196,478 | 19.6% | $160,944 |