Capital Gains Holding Period Calculator

How it is calculated

The tool takes prices and a day count, not dates. gain = sale_price − purchase_price. The holding period is long-term when holding_period_days is greater than 365; 365 days or fewer is short-term. It then picks the matching rate you typed and computes tax = max(gain, 0) × rate ÷ 100 and net_after_tax = gain − tax. A loss produces a negative gain, $0.00 tax and a net equal to the loss; it does not model offsetting losses against other gains. Both rates are your own percentages, because the correct rate depends on country, year and your total income; the 365-day cut-off is built in and may not match your jurisdiction. Fees, cost-basis adjustments and surtaxes are not included. Negative prices or days, and rates below 0 or above 100, return no result.

Common mistakes

• Entering a long-term rate in both rate boxes. The boxes are separate on purpose: the short-term rate is used for 365 days or fewer, and the long-term rate above that.
• Counting from the wrong day. The tool needs the number of days between purchase and sale, and exactly 365 days is still short-term here, so one extra day changes the rate.
• Entering the gain instead of the purchase and sale prices. Both fields are prices; the tool subtracts them itself.
• Using the unit price instead of the total. For 100 shares enter the total paid and the total received, not the price of one share.
• Reading the figures for a loss as an error. A sale at $7,500 against a $10,000 purchase shows a gain of -$2,500.00, $0.00 tax and a net of -$2,500.00; whether that loss is deductible depends on your tax rules.
• Typing a rate as a fraction such as 0.15 for 15%. The fields are percentages, and anything above 100 gives no result.