Year-end tax moves for 2026: see the numbers before December 31
Estimate capital gains tax, decide between the standard and itemized deduction, find your bracket room, and plan loss harvesting, charitable gifts and required withdrawals. Free, no sign-up, and everything runs in your browser.
Tools
Capital gains tax calculator (2026)
Estimate federal capital gains tax for 2026: short-term gains at ordinary rates, long-term gains at 0%, 15% or 20%, the 3.8% net investment income tax and how much 0% room you have left.
Standard vs itemized deduction calculator
Compare the 2026 standard deduction with itemizing: applies the $40,400 SALT cap with its income phase-down, the 7.5% medical floor, the new 0.5% charity floor and the non-itemizer charity deduction.
Tax bracket room and what-if calculator
Find your 2026 federal marginal tax bracket, how much income fits before the next bracket, and the tax effect of a year-end 401(k) or IRA contribution, extra deduction or Roth conversion.
Tax-loss harvesting calculator
Estimate the federal tax saved by selling investments at a loss before year-end. Handles short- and long-term netting, the $3,000 ordinary income offset, prior-year carryovers and the wash-sale warning.
Charitable bunching calculator
Compare giving the same amount every year with bunching two years of donations into one, using the 2026 standard deduction, the 0.5% AGI floor for itemizers and the new non-itemizer charity deduction.
RMD calculator (2026)
Calculate your 2026 required minimum distribution from the IRS Uniform Lifetime Table. Shows your starting age by birth year, the deadline, the 25% penalty and the tax saved with a qualified charitable distribution.
What is different for 2026
- Standard deductions rose to $16,100 (single), $24,150 (head of household) and $32,200 (married filing jointly). See the standard vs itemized guide.
- The state and local tax (SALT) deduction cap is $40,400 for 2026, phasing down for high incomes, and charitable giving has new rules: a 0.5%-of-income floor for itemizers and a small deduction for non-itemizers. Read the charitable giving guide.
- The 0% long-term capital gains rate applies to taxable income up to $49,450 (single) and $98,900 (joint). The capital gains calculator shows how much room you have left.
Popular guides
Year-End Tax Planning Checklist for 2026
A practical checklist of year-end tax moves for 2026: retirement contributions, capital gains and losses, charitable gifts, HSAs and FSAs, required distributions and what can wait until April.
Capital Gains Tax Rates for 2026
How capital gains are taxed in 2026: the 0%, 15% and 20% long-term rates and their thresholds, short-term gains, the 3.8% net investment income tax, losses and how to plan the timing of a sale.
Tax-Loss Harvesting: How It Works and When It Is Worth It
A plain-English guide to tax-loss harvesting: how losses offset gains and income, the wash-sale rule, replacement funds, carryforwards, costs and mistakes to avoid before the year ends.
Standard vs Itemized Deduction for 2026
The 2026 standard deduction by filing status, what you can itemize, the SALT cap, medical and charity thresholds, and how to decide which deduction saves more tax.
Charitable Giving Tax Rules for 2026
What changed for charitable deductions in 2026: the 0.5%-of-AGI floor for itemizers, the new deduction for non-itemizers, donor-advised funds, appreciated stock, qualified charitable distributions and record-keeping.
Roth Conversions in 2026: A Practical Guide
How a Roth conversion works, how it is taxed, the pro-rata rule, the five-year rules, how conversions affect ACA subsidies and Medicare premiums, and how to decide how much to convert before December 31.
How we work
Every number on this site is linked to an IRS or Treasury source. We do not sell leads, we are not a tax preparer or adviser, and we do not recommend products. When a 2027 figure has not been published, we say so. Read more about Year-End Moves.