New York Capital Gains Tax Calculator 2025
Use this free calculator to estimate capital gains tax in New York, including federal rates, NIIT when applicable, and New York's state treatment (graduated income tax (top rate up to 10.9%)).
State treatment: Graduated income tax (top rate up to 10.9%)·Official source ↗
Capital Gains Calculator
Federal · NIIT · All 50 states
Follow the three steps, save the sale, then calculate. Required fields are marked with *.
Your tax profile
These apply to every sale in this estimate.
What you sold
Prices and quantity for this lot. Give it a name if you will add more than one sale.
When you bought and sold
The IRS uses these dates to decide short-term vs long-term rates.
Next: Save this sale to the order log, then click Calculate now. Tax results do not update until you calculate.
Order log
Sales included in this tax estimate.
Please fill in the details to see your results. Follow the three steps on the left, then save a sale here.
New York capital gains tax overview
New York capital gains tax planning starts with the federal rules, then layers on New York's own treatment (graduated income tax (top rate up to 10.9%)). This calculator estimates both so you can see a combined effective rate before you sell stocks, crypto, real estate, or other capital assets.
Federally, short-term gains (held one year or less) are taxed as ordinary income, while long-term gains generally use 0%, 15%, or 20% preferential rates for tax years 2025 and 2026. High earners may also owe the 3.8% Net Investment Income Tax when MAGI exceeds the IRS threshold for their filing status.
New York generally taxes capital gains under its graduated income-tax framework. For planning estimates we apply New York's top modeled rate (graduated income tax (top rate up to 10.9%)) to taxable gains. Your actual marginal state rate may be lower depending on total New York taxable income.
New York figures in this model are drawn from the official source we cite for the state: https://www.tax.ny.gov/. Confirm the current-year statute or agency page before you file — rates and special rules can change.
Use the calculator above with filing status and income to stack federal long-term or short-term tax, NIIT, and New York state tax. Compare nearby states from the links below, review our methodology for data sources (including New York's official reference), and consult a CPA before filing. This page is educational and not tax advice.
New York rate snapshot
| Category | graduated |
|---|---|
| Summary | Graduated income tax (top rate up to 10.9%) |
| Abbreviation | NY |
| Top / modeled rate | 10.90% |
Always verify rates with theNew York revenue agencyand review ourmethodology. Not tax advice.
FAQ
New York FAQs
How does New York tax capital gains?
New York generally taxes capital gains under its graduated income-tax framework (Graduated income tax (top rate up to 10.9%)). For planning we apply the top modeled rate to taxable gains; your actual New York marginal rate may be lower depending on total taxable income.
Is the New York amount on this calculator exact?
No. Graduated states are estimated at the top modeled rate, not a full multi-bracket state return. Federal tax and NIIT are stacked separately. Federal short-term and long-term capital gains tax, and the 3.8% Net Investment Income Tax when MAGI exceeds the IRS threshold, can still apply.
Where do New York rates come from?
Our model cites https://www.tax.ny.gov/. Use this page for a combined federal-plus-state planning estimate, then confirm with New York instructions or a CPA.
Guides
Related tax guides
- Short-term vs long-term capital gains explainedRead guide →
- How to use the 0% long-term capital gains bracketRead guide →
- State capital gains tax: zero, flat, and high-tax statesRead guide →
- US capital gains tax rates for 2026Read guide →
- How to calculate capital gains tax (federal formula)Read guide →
- Net Investment Income Tax (NIIT) 3.8% on capital gainsRead guide →
- Wash-sale rule for stocks and ETFsRead guide →
- How crypto capital gains tax works in the USRead guide →
- Section 121 home sale exclusion ($250,000 / $500,000)Read guide →
- How tax-loss harvesting works to offset capital gainsRead guide →
- Capital gains tax on RSUs, stock options, and ESPPs explainedRead guide →
- 1031 exchange rules: how to defer capital gains on real estateRead guide →
- Do you pay capital gains tax in an IRA or 401(k)?Read guide →
- Capital gains tax rates on collectibles, gold, and precious metalsRead guide →