Add your stock and crypto positions, pick your country, and see your gain, loss, and an estimated tax bill. Stocks and crypto, 9 jurisdictions, no signup, no data leaves your browser.
Income is used to find your correct marginal bracket (for the US, UK, Canada, and Australia). Leave blank if you'd rather see a range across all brackets.
| Asset | Status | Qty | Cost basis | Proceeds | Gain / loss |
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Add at least one position and hit Calculate to see your gain, loss, and estimated tax.
Capital gains tax is the tax you pay on the profit when you sell an investment for more than you paid for it. The "gain" is simply your sale proceeds minus your cost basis (what you paid, plus broker fees and other allowable acquisition costs). Most countries tax capital gains, but the rules — rates, exemptions, holding period rules, how crypto is treated — differ widely from one jurisdiction to the next. This calculator does the universal math (proceeds minus cost equals gain, with losses netted against gains) and then applies the tax rules for the country you select.
You add each position (one buy and either a sell or a current price) as a row in the portfolio table. Pick whether it's a stock or crypto and whether you've already sold it. The tool calculates the gain or loss for every sold position, nets gains against losses, and then runs that net through the tax rules for your chosen jurisdiction. It also looks at the positions you still hold and, if any are at a loss, suggests them as candidates for tax-loss harvesting before your tax year ends.
Say you bought 20 shares of Apple at $150 (with a $5 broker fee) in early 2023 and sold them at $220 in March 2025 (another $5 fee). Your proceeds are $4,400 minus $5 = $4,395, and your cost basis is $3,000 plus $5 = $3,005. Your capital gain is $1,390. If you're in the US and your other income is around $75,000, that long-term gain falls in the 15% bracket, so your estimated federal tax on it is about $208 (before any state tax). In Canada, only 50% of the gain ($695) gets added to your income and taxed at your marginal federal rate.
The calculator ships with nine tax regimes that cover the major patterns of capital gains treatment: United States (progressive long-term bands, separate short-term ordinary-income brackets, plus the 3.8% NIIT surcharge), Canada (50% inclusion rate, federal brackets only), United Kingdom (post-Budget 2024 rates of 18% and 24% with a £3,000 annual exempt amount), Australia (50% CGT discount after 12 months then marginal income tax), Germany (flat 26.375% Abgeltungsteuer with the €1,000 Sparer-Pauschbetrag, and crypto tax-free after one year), Ireland (33% flat with €1,270 exemption), China (statutory 20% with the A-share exemption noted in the disclaimer), Japan (flat 20.315% on listed-share gains; crypto taxed as miscellaneous income up to ~55%) and India (post-July 2024 rates: 12.5% LTCG with ₹1.25 lakh exemption / 20% STCG; crypto taxed separately at 30%). Jurisdictions with no personal capital gains tax (UAE, Hong Kong, Singapore) are excluded since the calculator has nothing to estimate for them.
This tool is entirely client-side. Nothing you type — tickers, quantities, prices, income — is sent to a server. No accounts, no tracking of inputs, no portfolio storage on our side. You can close the tab and the data is gone.
No. RiskStock is an educational publisher. This calculator produces an estimate using the rules and rates that were current the last time we updated the data file. Tax law changes every year and there are dozens of edge cases (state and provincial tax, special asset types, foreign tax credits, ETFs that distribute capital gains, wash-sale rules on crypto in some jurisdictions, etc.) that this tool deliberately does not handle. Use it to get a quick sense of your tax position, then check with a qualified accountant before filing.
Most jurisdictions tax gains on assets you've held for a long time more lightly than gains on assets you flipped quickly. In the US and Australia the dividing line is 12 months. In the UK there's no holding-period distinction at all. In Germany, crypto held privately for more than a year is fully tax-free. The calculator handles each rule from a per-jurisdiction config file, so the same input table produces the right answer in every supported country.
Crypto is treated the same as stocks in most supported jurisdictions, including the US, UK, Canada, Australia, and Ireland. Germany is the notable exception — crypto held privately for more than 12 months is generally tax-free on disposal, so the tool excludes those positions from your taxable gain if you supply a holding period over a year.
The first version covers federal/national rules only. US state CGT, Canadian provincial tax, Germany's church tax and Australia's Medicare levy are not included in the estimate. Each jurisdiction's results panel notes what is and isn't covered.
Not in this version — we'd rather keep the tool stateless and private. You can download a PDF summary of any calculation, which is useful as a record or for handing to your accountant.
Want background on how capital gains work in specific countries? Read our explainers on capital gains tax in the US and how capital gains tax works in Canada.