Beta · estimates only

What would selling cost in tax?

Enter one investment and your income. See an estimate of the federal and state tax if it's sold today, after it turns long-term, or in January. Nothing you type leaves your browser.

Date you bought it

What you paid (total)

What you'd sell it for (total)

Filing statusIncome from work this year

Salary before taxes. Leave out investments.State

Interest, dividends and last year's losses

Taxable interest

Total dividends

All dividends, from Form 1099-DIV box 1a.

The part taxed at lower rates (box 1b). Can't be more than total dividends.

Loss carried in: short-term

Loss carried in: long-term

Losses you couldn't use on last year's return. Enter as positive numbers.

Other gains you've already taken this year

Short-term

Long-term

This sale stacks on top of them. Use a negative number for net losses.

Your gain: $4,000 · today

Selling today

short-term · this year's taxes

$730

Selling after Oct 27 Lowest tax

long-term · 15 days

$518

Selling in January

long-term · next year's taxes

$518

Selling after it turns long-term (15 days) would cost about $213 less tax, if the price holds.

How we calculated this

Assumptions

Each option reruns your full-year federal and state estimate with this sale added, so bracket stacking, the 0/15/20% long-term rates, the 3.8% NIIT and loss netting are all included.
“Selling in January” moves the sale into next year's taxes, assuming the same income and no other gains next year. The tax is due a year later.
Assumes the sale price stays the same while you wait. Prices can drop, so a tax saving isn't guaranteed to be a money saving.
This is tax information, not advice on whether to buy or sell.

Your brackets with this sale

Selling something you've held a year or less is taxed at

22%on your next dollar

$52,800 more before your rate rises to 24%.

Selling something you've held over a year is taxed at

15%on your next dollar

$492,600 more before the 20% rate.

: $131,000 of income to go before the extra 3.8% starts.

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Setaside gives tax estimates and education. It does not recommend buying, selling or holding any investment, and it is not tax, legal or investment advice. Examples are illustrative. Estimates use 2026 federal rules and the states Setaside supports so far, and may contain mistakes.