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Capital Gains Tax Impact Analyzer

Before you sell, know what you'll owe. This tool calculates your total tax burden across seven critical dimensions that simple calculators miss — including the 3.8% NIIT surtax, Medicare IRMAA surcharges, and Social Security taxability shifts.

The 7 Mistakes This Tool Flags

1
Ignoring the NIIT Surtax3.8% extra tax when MAGI exceeds $200K (single) / $250K (married)
2
Triggering Medicare IRMAAPremium surcharges up to $5,300/yr per person from a 2-year-old gain
3
Bunching All Gains in One YearSelling everything at once pushes you into higher brackets
4
Not Harvesting LossesUnused losses can offset gains dollar-for-dollar plus $3K/yr ordinary income
5
Selling Before Step-Up in BasisHeirs inherit at fair market value — wiping out all deferred gains
6
Missing the Home Sale ExclusionUp to $250K/$500K tax-free on your primary residence
7
Ignoring the 0% Bracket WindowRetirees with lower income may qualify for 0% on long-term gains

Capital Gains Tax Impact Analyzer

Full analysis — no account required

No AI required. All calculations run locally in your browser using 2026 IRS brackets. Nothing is stored, nothing is sent to a server. This tool is for educational purposes — consult a tax professional before making decisions.

Capital Gains Tax Impact Analyzer

Enter your income details and the asset sale you're considering. The analyzer calculates your total tax burden, flags the 7 common mistakes, and shows optimization scenarios.

1

Your Profile

Filing status, age, and state of residence

Used for Medicare and step-up analysis
No Tax States CA 13.3% NY 10.9%
For IRMAA surcharge analysis
2

Current Income Sources

Your annual income before the asset sale

$
Wages, pension, RMDs, rental income
$
Annual gross Social Security income
$
Dividends, interest, rental (non-sale)
3

The Sale You're Considering

Details of the asset you plan to sell

$
$
Original price + improvements
< 1 yr 5 yr 20 yr
4

Tax Optimization Inputs

Available offsets and planning options

$
Realized losses + carryforward from prior years
Comparison shown in results
Step-up in basis analysis

7-Mistake Scorecard

Optimization Scenarios

Disclaimer: This tool is for educational purposes only and does not constitute tax, legal, or financial advice. Tax laws change frequently. The calculations use 2026 federal brackets and approximate state rates. Consult a qualified tax professional or CPA before making any financial decisions. IntelliTC Solutions is not a tax advisory firm.