Estimate federal tax on your investment gains and dividends
Tax Year 2024 Federal Rates
LTCG: 0%/15%/20% | STCG: Ordinary income rates | NIIT: 3.8% surtax
Your wages/salary (used to determine your tax bracket)
Gross wages/salary before investment income
Profits from selling stocks
Taxed at preferential 0% / 15% / 20% rates
Taxed as ordinary income
Dividends from stocks and ETFs
Taxed at LTCG rates (most US stock dividends)
Taxed as ordinary income (REITs, foreign dividends)
Pre-tax retirement contributions reduce your taxable income
Max $23,000/year (2024) — reduces taxable income
Max $7,000/year (2024) — may be tax-deductible
Estimated Federal Tax on Investments
$0.00
Long-Term Capital Gains
0% / 15% / 20% (based on income)
Short-Term Capital Gains
10% – 37% (ordinary income rates)
NIIT Surtax
3.8% above $200k MAGI
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Disclaimer
Federal tax estimates only. State taxes are not included. Tax rules are complex and depend on individual circumstances. Consult a qualified tax advisor for personalized advice.
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