Estimate federal capital gains tax on stocks, crypto and real estate. Compares short-term (ordinary income rates) vs long-term (0/15/20%) treatment.
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If you hold an asset for more than one year before selling, your gain qualifies for preferential long-term rates (0%, 15%, or 20% depending on income). Hold for one year or less and the gain is taxed as ordinary income — potentially up to 37%.
This single rule can save thousands. Selling a stock 11 months after purchase versus 13 months can mean the difference between a 22% tax and a 15% tax on the same profit.
Real estate exception: if you sold your primary home where you lived for 2+ of the last 5 years, the first $250,000 ($500,000 MFJ) of gain may be excluded entirely.