以下详细说明暂以英文提供。
Short-term versus long-term rates
In the US, holding an asset for more than a year before selling switches you from short-term to long-term treatment. Short-term gains are taxed as ordinary income, so the 24% used here matches a mid-to-upper bracket; long-term gains sit at 0%, 15%, or 20% depending on taxable income, with 15% the most common. That gap is why a few extra days of holding can be worth thousands on a large sale.
What the calculator leaves out
The estimate applies one flat rate to the simple gain (sale price minus purchase price). Real filings can differ: commissions and improvements adjust the basis, losses can offset gains elsewhere, high earners may owe the net investment income tax, and state tax stacks on top. Treat the result as a planning number and confirm specifics with a tax professional before acting.
中国本地参考
在中国大陆做财务换算时，以下框架值与美国默认值差异很大：
- 个人所得税: 工资薪金基本减除费用为 5,000 元/月（60,000 元/年），综合所得适用 3%–45% 七级超额累进税率（自 2019 年起施行）。
- 社保与公积金: 养老保险单位缴费 16%、个人 8%；住房公积金常见缴存比例为 5%–12%，由各城市确定上下限。
- 价签与增值税: 标价为含税价（一般纳税人增值税率 13%/9%/6%），结账时不额外加税，与美国小票加税习惯不同。
- 数字与单位: 使用公制单位（厘米、米、千克、升），温度为摄氏度；人民币符号 ¥，千分位用逗号、小数用点：12,345.67 元。
- 小费文化: 餐厅不付小费，部分场所收取服务费并已在账单中标明；无需按美式 15%–20% 计算。
数据核对：2026 年 10 月
常见问题
When does a gain become long-term?
The day after you have held the asset for more than one year. Selling at 12 months and one day instead of 11 months and 29 days can cut the rate dramatically on a large gain.
What happens if I sell at a loss?
No capital gains tax is due on a loss. Losses first offset other gains, then up to $3,000 of ordinary income per year, with the remainder carried forward to future years.
Do I owe tax on crypto and stocks the same way?
Yes — the IRS treats cryptocurrency, stocks, ETFs, and most property the same: a sale or swap triggers capital gains rules based on holding period and your income.