How much Capital Gains Tax on $100,000?

On a $100,000 long-term gain, US federal CGT depends on your income. At $40k income: $13,946. At $100k income: $15,000. At $250k income: $18,800 (includes 3.8% NIIT).

What is short-term vs long-term tax on $100,000?

Long-term gains (held 1+ year) are taxed at 0%, 15%, or 20%. Short-term gains are taxed as ordinary income (up to 37%). On $100,000: Long-term ~$15,000 vs Short-term ~$22,000 at $100k income.

How much do I keep from a $100,000 capital gain?

From a $100,000 long-term gain, you keep: $86,054 (0% bracket), $85,000 (15% bracket), or $81,200 (20% + NIIT bracket). Short-term gains at $100k income leave you with approximately $78,000.

What is the Net Investment Income Tax on $100,000?

The 3.8% NIIT applies to the lesser of your net investment income or MAGI exceeding $200,000 (single). On a $100,000 gain with $250k income, NIIT adds $3,800 to your federal tax bill.

2025 Tax Year

Capital Gains Tax on $100,000

Your tax depends on holding period and income. Long-term CGT ranges from $13,946 to $18,800 depending on your income level.

CGT on $100,000 by Holding Period & Income

Long-term (0% rate)

$13,946

Income under $47k

Long-term (15% rate)

$15,000

$100k income

Long-term + NIIT

$18,800

$250k income

Short-term

$22,000

As ordinary income

Strategic Tax Planning Recommended

With a $100,000 gain, tax planning becomes important. Most filers will pay 15% long-term CGT, but strategic timing and loss harvesting can significantly reduce your tax bill.

•Consider spreading large gains across multiple tax years
•Harvest losses to offset a portion of your gains
•Contribute to retirement accounts to stay in lower brackets
•For real estate, explore 1031 exchange opportunities

Asset Sale Details

Calculate capital gains tax for 2025

Asset Type

Holding Period

Long-term gains taxed at preferential rates (0%, 15%, or 20%)

Cost Basis (Purchase Price)

Sale Price

Selling Costs (fees, commissions)

Your Other Annual Income

Determines your capital gains tax bracket

Filing Status

Capital Gains Tax

Long-term • 15.0% effective rate

Capital Gains Tax Due

$6,750

Sale Price$250,000

Cost Basis−$200,000

Selling Costs−$5,000

Gross Gain$45,000

Taxable Gain$45,000

Federal Tax (15%)−$6,750

Net Proceeds$38,250

2025 Capital Gains Tax Rates

Long-Term Rates (held 1+ year)

0% Rate0%

Up to $47,025 (single)

15% Rate15%

$47,025 - $518,900 (single)

20% Rate20%

Over $518,900 (single)

Short-Term & Additional Taxes

Short-Term Rate10-37%

Taxed as ordinary income (your marginal tax rate)

NIIT (high earners)+3.8%

Income over $200,000 (single) / $250,000 (married)

Primary Home ExclusionUp to $500k

$250,000 single / $500,000 married

Capital gains "stack" on top of ordinary income. Your tax rate depends on your total taxable income. State taxes may also apply depending on your state of residence.

What You Keep from a $100,000 Gain

After federal CGT, here's what stays in your pocket (excluding state taxes)

Long-Term (1+ Year)

0% Bracket

Income under $47,025

$86,054

Tax: $13,946

15% Bracket

$47,025 - $518,900

$85,000

Tax: $15,000

20% + NIIT

$250k+ income

$81,200

Tax: $18,800

Short-Term (<1 Year)

Ordinary Income Rates

At $100k income (22% bracket)

$78,000

Tax: $22,000

Holding Period Matters: By holding for 1+ year, you could save $7,000 in federal taxes on this $100,000 gain.

Real-World Example: Stock Investment

S&P 500 Index Fund Investment

Let's say you invested in an index fund and held it for 3 years

Original investment$250,000

Sale price$350,000

Capital gain+$100,000

Federal CGT (15% bracket)-$15,000

Net profit after tax$85,000

Note: This example assumes $100k annual income (15% LTCG bracket) and doesn't include state taxes, which vary by state (0% in TX, FL, NV vs up to 13.3% in CA). Some states have no capital gains tax while others tax it as ordinary income.

Long-Term CGT on $100,000

If you held the asset for more than one year, you qualify for preferential long-term rates. On a $100,000 gain, you'd pay $13,946 at 0% rate (low income), $15,000 at 15% rate (middle income), or $18,800 at 20% + NIIT (high income).

Short-Term CGT on $100,000

Assets held one year or less are taxed at ordinary income rates (10-37%). On $100,000, you'd pay approximately $22,000 at the 22% bracket. Consider holding assets longer than one year to save on taxes.