Tools · Capital Gains Tax
Georgia Capital Gains Tax Calculator (2026)
Estimate the tax on your capital gains in Georgia 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 Georgia’s share, broken out line by line.
Georgia capital gains tax calculator
- 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
- Georgia income tax on gain
- −$998
- Total capital gains tax
- $1,665
Georgia taxes capital gains as ordinary income. Georgia accelerated its flat rate to 4.99% for 2026 under HB 463 — below 5% three years ahead of schedule. Social Security income is exempt.
Note on 2026 figures: The 4.99% rate is confirmed for 2026. Georgia’s standard deduction is rising under HB 463 ($12,000/$24,000 base toward $15,000/$30,000); the exact 2026 step is being confirmed against the Department of Revenue — the base figure is used here.
Federal: IRS Revenue Procedure 2025-32 (IR-2025-103) · Social Security Administration. State: Georgia 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 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 Georgia
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).
Georgia taxes capital gains as ordinary income, at the same rate as your wages. Georgia accelerated its flat rate to 4.99% for 2026 under HB 463 — below 5% three years ahead of schedule. Social Security income is exempt.
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.