Before you sell stock, crypto, or property — see the real federal tax, your tax-free gain room, and what loss harvesting saves.
Selling stock, crypto, or property? The tax depends on when you sell, what else you earn, and what losses you pair with it. See your real rate — and how much gain you could realize completely tax-free.
Educational estimate — 2026 federal rates (long-term 0/15/20% stacked over ordinary income; short-term at ordinary rates; 3.8% NIIT over $200k/$250k MAGI; standard deduction assumed). Losses modeled against short-term gains first, then long-term, then up to $3,000 of ordinary income with the rest carried forward. Watch the wash-sale rule: rebuying the same security within 30 days voids the loss. State tax, AMT, collectibles/real-estate depreciation recapture rates, and crypto specifics are preparer territory.