Capital Gains Real Estate Calculator

Real Estate & Property Tax Engine

Capital Gains Real Estate Calculator

Calculate property capital gains, adjusted cost basis, Section 121 exclusions, depreciation recapture, and net in-pocket cash proceeds.

SECTION 121 · DEPRECIATION RECAPTURE · CLIENT-SIDE

Property Financials

Currency

Sec 121 Exclusion

Selling Price *contract price

Original Purchase Price *

Capital Improvementsrenovations/roof

Selling Closing Costsrealtor + legal

Taxes, Depreciation & Closing Adjustments (Optional)

Purchasing Closing Costs

Combined Cap Gains TaxFed + State

Outstanding Mortgage Balancefor net cash proceeds

Calculated Proceeds

Primary Residence

Estimated Capital Gains Tax

$0.00

Net Profit: +$206,000 ROI: +50.86%

Basis & CostsTaxes PaidNet Profit

Net Realized Gain

–

Adjusted Cost Basis

–

Taxable Gain

–

Total Selling Costs

–

Cash In-Pocket (Post Debt)

–

Effective Tax Rate

–

Capabilities

Built for homeowners, realtors & property investors

Section 121 Exclusions

Automatically applies the IRS $250,000 (Single) or $500,000 (Married Filing Jointly) primary residence exclusion rules.

Adjusted Cost Basis

Incorporates initial purchase price, purchasing closing costs, and capital improvements (roof, additions, HVAC) to minimize tax liability.

Depreciation Recapture

Calculates the 25% unrecaptured Section 1250 depreciation tax for rental and commercial property sales.

Net In-Pocket Proceeds

Subtracts realtor commissions, legal escrow fees, capital gains tax, and remaining mortgage balance to estimate actual cash received.

Short & Long Term Tax

Supports combined Federal, State, and local capital gains tax rates tailored to your jurisdiction.

Multi-Currency Support

Model properties in USD, EUR, GBP, CAD, AUD, BDT, or INR with instant currency updates.

100% Client-Side Engine

Calculations execute locally inside your browser. No property address, profit figures, or private data are ever transmitted.

Responsive Design

Reflows cleanly on mobile devices, desktop monitors, and tablets for on-the-go real estate calculations.

Methodology

How property capital gains are calculated

Set Property Classification

Choose "Primary Residence" to unlock Section 121 tax exclusions or "Investment / Rental" for rental properties.

Enter Contract & Purchase Prices

Input the agreed selling price and original purchase price from your closing statements.

Add Capital Improvements

Include major upgrades (kitchen remodel, roof, solar, HVAC) to increase your Adjusted Cost Basis.

Set Selling & Closing Costs

Specify realtor commission percentages (e.g., 5-6%) plus escrow and legal transfer fees.

Incorporate Taxes & Depreciation

Open Advanced Details to set your state/federal tax rates and claimed rental depreciation.

Review Net Proceeds

View total tax owed, post-tax ROI, and in-pocket cash proceeds after payoff of remaining mortgage debt.

This calculator provides educational estimations for real estate capital gains tax. Exclusions, state tax brackets, 1031 exchange deferrals, and depreciation rules vary by jurisdiction. Always consult a qualified CPA or tax attorney for official tax filings.