Tools · Capital Gains Tax
New York Capital Gains Tax Calculator (2026)
Estimate the tax on your capital gains in New York 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 New York’s share, broken out line by line.
New York 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
- New York income tax on gain
- −$1,080
- Total capital gains tax
- $1,748
New York taxes capital gains as ordinary income. New York cut its first five bracket rates by 0.1 point each for 2026 (Chapter 59, Laws of 2025). Rates run 3.9% to 10.9% across nine brackets.
New York City and Yonkers levy separate local income taxes (NYC roughly 3.08%–3.88%), which are not included here.
Federal: IRS Revenue Procedure 2025-32 (IR-2025-103) · Social Security Administration. State: New York Department of Taxation and Finance.
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 New York
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).
New York taxes capital gains as ordinary income, at the same rate as your wages. New York cut its first five bracket rates by 0.1 point each for 2026 (Chapter 59, Laws of 2025). Rates run 3.9% to 10.9% across nine brackets.
Local taxes: New York City and Yonkers levy separate local income taxes (NYC roughly 3.08%–3.88%), which are not included here.
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.