Tools · Capital Gains Tax
Colorado Capital Gains Tax Calculator (2026)
Estimate the tax on your capital gains in Colorado for 2026. Enter your gain, holding period, and other income to see federal long- or short-term tax, the 3.8% Net Investment Income Tax, and Colorado’s share, broken out line by line.
Colorado capital gains tax calculator
How to read the rows below: the slice of your gain → the tax on that slice.
- Gain taxed at 0% (long-term)
- $15,550 → $0
- Gain taxed at 15% (long-term)
- $4,450 → −$668
- Federal long-term capital gains tax
- −$668
- Net Investment Income Tax (3.8%)
- $0
- Colorado income tax on gain
- −$880
- Total capital gains tax
- $1,548
Colorado taxes capital gains as ordinary income. Colorado taxes income at a flat 4.40% for 2026. It has no state standard deduction of its own; taxable income starts from the federal amount, so the federal standard deduction effectively carries over.
Note on 2026 figures: The permanent rate is 4.40%. Under the TABOR surplus mechanism, a small temporary cut (to roughly 4.36%) is possible for 2026 if state revenue exceeds the cap, but that reduction is not certified until the surplus is finalized. The 4.40% permanent rate is used here.
Federal: IRS Revenue Procedure 2025-32 (IR-2025-103) · Social Security Administration. State: Colorado Department of Revenue.
Estimate for 2026. Long-term gains are stacked on top of your other taxable income across the 0/15/20% federal breakpoints; short-term gains are taxed as ordinary income. The 3.8% Net Investment Income Tax, an extra federal surtax on investment income, applies once your income clears the threshold. Excludes state credits, the alternative minimum tax, and loss carryovers. This is general information, not tax advice.
How capital gains tax works in Colorado
Long-term gains (assets held more than a year) get the federal 0/15/20% rates — but the rate depends on where the gain lands once it is stacked on top of your other taxable income, so part of a gain can be taxed at 0% and the rest at 15%. Short-term gains are taxed as ordinary income. On top of that, the 3.8% Net Investment Income Tax applies once your income clears $200,000 (single) or $250,000 (married-jointly).
Colorado taxes capital gains as ordinary income, at the same rate as your wages. Colorado taxes income at a flat 4.40% for 2026. It has no state standard deduction of its own; taxable income starts from the federal amount, so the federal standard deduction effectively carries over.
This is an annual-bracket estimate, not your final return. It excludes the alternative minimum tax, loss carryovers, and state credits. It is general information, not tax advice. Federal figures: IRS Revenue Procedure 2025-32 (IR-2025-103) · Social Security Administration.
Capital gains calculators for other states
Same 2026 engine, each with its own state rules.