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Calculate gains, capital gains tax, and annualized return on any stock trade
Stock profit or loss is the difference between the sale proceeds and the total cost basis (including purchase price and commissions). Capital gains tax applies to profitable trades, with the rate depending on whether the holding period is short-term (under 1 year) or long-term (over 1 year).
Net Profit/Loss
+$1,690.00
+37.51% return
Total Cost
$4,505.00
Total Proceeds
$6,195.00
Est. Tax (15%)
$253.50
After-Tax Profit
$1,436.50
| Bracket | Short-Term | Long-Term |
|---|---|---|
| 0% (Single under $47,026) | Up to 10% | 0% |
| 15% (Single $47,026–$518,900) | 12–32% | 15% |
| 20% (Single over $518,900) | 35–37% | 20% |
Formula
Net Profit = (Sell Price × Shares − Sell Commission) − (Buy Price × Shares + Buy Commission)Annualized Return = ((1 + Total Return)^(365 ÷ Holding Days) − 1) × 100
Total Return = Net Profit ÷ Total Cost
Holding Days = Number of calendar days between buy and sell dates
Worked Example
Buy 100 shares at $45, sell at $62 after 14 months
Did you know? The long-term capital gains tax rate for most US taxpayers is 15% — significantly lower than the short-term rate, which is taxed as ordinary income at rates up to 37%. Holding an investment just one day past the 12-month mark can meaningfully reduce your tax bill (source: IRS Publication 550).
Sources
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