Tool
Tax bracket & LTCG
Federal marginal & effective rates, long-term capital gains brackets, optional state tax. Useful when sizing tax-loss harvests or estimating after-tax return on a sell decision.
Federal-only approximation. 2026 IRS bracket schedule. Does NOT model: AMT, Additional Medicare Tax (0.9%), NIIT (3.8%), QBI deduction, foreign tax credit, AMT-FTC, or itemized deductions. State tax is a flat-rate approximation, not a full state-bracket calc. Verify with a CPA before acting.
Inputs
Marginal rate (ordinary)
+24%
next dollar of W-2 income
LTCG marginal
+15%
next dollar of LT gain
Effective federal rate
+19.0%
federal tax / total income
Effective total rate
+24.0%
incl. state
Tax owed (approx.)
Federal ordinary$28,561.00
Federal LTCG$0.00
Federal total$28,561.00
State (5.0% flat)$7,500.00
Total tax owed$36,061.00
After-tax income$113,939.00
Federal ordinary brackets — Single
10%$0.00 — $12,400.00
12%$12,400.00 — $50,400.00
22%$50,400.00 — $107,550.00
24%$107,550.00 — $205,350.00you are here
32%$205,350.00 — $260,650.00
35%$260,650.00 — $651,650.00
37%$651,650.00 — ∞