Capital Gains Tax Calculator
Estimate the tax you'd owe on a property sale (capital gains, depreciation recapture, and NIIT) and see how much a 1031 exchange could defer.
Your estimate
Illustrative estimate only, not tax advice. We'll model your exact figures together.
What taxes apply when you sell an investment property?
Selling appreciated investment real estate can trigger four layers of tax: federal capital gains, depreciation recapture (up to 25%), the 3.8% net investment income tax, and state income tax. Combined, they can claim 20–40% of your gain.
Capital gains tax
Applied to the profit above your adjusted basis, typically 15% or 20% federally for long-term holds.
Depreciation recapture
The depreciation you deducted over the years is "recaptured" at a rate up to 25% at sale.
Net Investment Income Tax
An additional 3.8% may apply for higher-income taxpayers on investment gains.
State income tax
Varies widely, from 0% in some states to over 13% in California's top bracket.
A properly executed 1031 exchange can defer all four, letting you reinvest the full amount instead of writing a check to the IRS.
Turn this estimate into a plan.
Send us your figures and we'll model your actual exposure, and map the replacement options that could defer it.