Calculator inputs
Example data table
| Asset | Qty | Buy Date | Sale Date | Buy / Unit | Sale / Unit | Adjusted Basis | Net Proceeds | Taxable Gain | Estimated Tax |
|---|---|---|---|---|---|---|---|---|---|
| ABC Growth Fund | 100 | 2024-01-15 | 2025-12-15 | $45.00 | $62.00 | $4,675.00 | $6,170.00 | $795.00 | $119.25 |
This sample assumes $25 purchase fees, $30 selling fees, $150 basis additions, $200 carryover losses, a $500 exemption, and a 15% long-term tax rate.
Formula used
Gross Purchase Cost = Quantity × Buy Price Per Unit
Adjusted Cost Basis = Gross Purchase Cost + Purchase Fees + Improvements + Other Basis Adjustments
Gross Sale Value = Quantity × Sale Price Per Unit
Net Proceeds = Gross Sale Value − Selling Fees
Raw Capital Gain = Net Proceeds − Adjusted Cost Basis
Gain After Carryforward = Raw Capital Gain − Capital Loss Carryforward
Taxable Gain = Max(0, Gain After Carryforward − Annual Exemption)
Estimated Tax = Taxable Gain × Applicable Tax Rate
After-Tax Gain = Raw Capital Gain − Estimated Tax
Annualized Return = ((Net Proceeds ÷ Adjusted Cost Basis) ^ (1 ÷ Holding Years) − 1) × 100
This model is a planning estimate. Local law may treat different assets, inflation, exemptions, and loss offsets differently.
How to use this calculator
- Enter the asset name, type, quantity, purchase date, and sale date.
- Add the buy and sale prices per unit.
- Include commissions, legal fees, or other transaction costs.
- Add improvement costs or basis adjustments when relevant.
- Enter any capital loss carryforward and annual exemption.
- Set short-term and long-term tax rates for your situation.
- Review the results table, chart, and export buttons.
Frequently asked questions
1. What does adjusted cost basis mean?
Adjusted cost basis is your original purchase cost plus eligible fees and capital additions, adjusted for basis changes. It is the amount subtracted from net proceeds to estimate gain or loss.
2. Why are short-term and long-term rates different?
Many tax systems apply different rates depending on how long you held the asset. This calculator lets you enter both rates and automatically picks one using your holding period threshold.
3. Can I use this for stocks, crypto, or property?
Yes. The layout is generic and works for many asset types. Still, real-world tax treatment can differ by asset class, so confirm local rules before relying on the estimate.
4. What is a capital loss carryforward?
A carryforward is a prior eligible capital loss that may reduce a future gain. Enter the amount you can use this year, and the calculator subtracts it before applying the exemption and tax rate.
5. Why does the calculator show real gain after inflation?
Real gain helps you compare your result against inflation. It shows whether your money truly gained purchasing power, even if the nominal sale price looks much higher.
6. Does the annual exemption always apply?
No. Some countries have no annual exemption, while others limit it by taxpayer type or asset category. This field is optional and should match the rules you actually qualify for.
7. What does breakeven sale price per unit show?
It shows the sale price needed per unit to recover basis and selling costs before any taxable profit. It is useful when planning exits or minimum acceptable sale prices.
8. Are the CSV and PDF files tax forms?
No. They are simple exports of your calculator results for sharing, saving, or reviewing later. They do not replace official statements, brokerage reports, or tax filing forms.