If you sell this much stock, what actually happens? Models the 0/15/20% long-term brackets — plus NIIT, QBI, ACA and IRMAA cliffs — for tax year 2026, Virginia resident.
Most of a gain can be tax-free if it fits under the 0% bracket. You just saw exactly how much room you have — and where the next cliff sits.
The Capital Gains Tax Calculator answers a single question: if you sell this much stock, what actually happens? It models the full 2026 picture — the 0%, 15%, and 20% long-term capital-gains brackets, the 3.8% Net Investment Income Tax, the §199A QBI deduction, the ACA premium-tax-credit cliff, Medicare IRMAA tiers, and Virginia state tax — then shows how much of a gain fits under each threshold. Long-term gains stack on top of your ordinary income, so the room left in the 0% bracket depends on everything else you earn. Use the slider to find the largest gain you can take before the next dollar gets more expensive.
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