Does this handle short vs long term?

No. Enter an effective rate matching your expected tax for this sale.

Does it include NIIT?

Not explicitly. Add NIIT to your rate if applicable.

Does it handle state tax?

Combine state with federal in the rate input if desired.

What about specific lots?

Not modeled. This is aggregate; specific lot selection isn’t included.

No. It’s an estimate. Consult a tax professional for detailed planning.

finance calculator

Capital Gains Harvest Calculator

Estimate gain, tax, and net proceeds from harvesting capital gains at your tax rate.

Results

Gain per share: $5,000
Total gain: $500,000
Estimated tax: $75,000
Net proceeds after tax: $2,425,000

How to use this calculator

Enter purchase price and current price per share.
Enter number of shares and your capital gains tax rate.
Review gain per share, total gain, estimated tax, and net proceeds.

Inputs explained

Tax rate: Your expected long-term/short-term rate; enter an effective rate for this harvest.

How it works

Gain per share = Current price − Purchase price (floored at 0). Total gain = Gain per share × Shares. Tax = Total gain × Tax rate. Net proceeds = Current price × Shares − Tax.

Formula

Gain/share = max(Current − Purchase, 0)
Total gain = Gain/share × Shares
Tax = Total gain × Rate
Net proceeds = Current price × Shares − Tax

When to use it

Planning capital gains harvesting and estimating tax impact.
Comparing harvest scenarios at different prices or tax rates.
Checking net proceeds if you sell appreciated positions.

Tips & cautions

For long-term vs short-term differences, adjust the tax rate input accordingly.
Use a higher rate if gains push you into a higher bracket or incur NIIT; this calculator is a simple single-rate view.
If losses are available to offset gains, reduce the effective gain or rate accordingly.
Single-rate approximation; does not model brackets, NIIT, or wash rules.
No state tax differentiation unless you include it in the rate.
No lot-specific tax lots or FIFO/LIFO modeling.

Worked examples

Buy $200, sell $250, 100 shares, 15% rate

Gain/share = $50
Total gain = $5,000
Tax = $750
Net ≈ $24,250

Buy $20, sell $30, 1,000 shares, 20% rate

Gain/share = $10
Total gain = $10,000
Tax = $2,000
Net = $28,000

Deep dive

Estimate capital gains harvesting impact by entering purchase/current price, shares, and tax rate to see gain, tax, and net proceeds.

Use it to plan harvest timing and tax effects with a simple single-rate view.

FAQs

Does this handle short vs long term?: No. Enter an effective rate matching your expected tax for this sale.
Does it include NIIT?: Not explicitly. Add NIIT to your rate if applicable.
Does it handle state tax?: Combine state with federal in the rate input if desired.
What about specific lots?: Not modeled. This is aggregate; specific lot selection isn’t included.
Is this tax advice?: No. It’s an estimate. Consult a tax professional for detailed planning.

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Simplified capital gains estimate. Does not model brackets, NIIT, lot selection, or state vs federal breakdown. Use an effective rate and consult a tax professional.