Home Sale Capital Gains
Calculator
Home sale taxes with the Section 121 exclusion done right
Adjusted basis, depreciation recapture at 25% (correctly outside the exclusion), the $250k/$500k Section 121 exclusion, and federal plus state tax on what remains.
See It In Action
Play with the calculator below. This is exactly what your visitors will see.
Home Sale Capital Gains Calculator
Estimate the tax on your home sale, including the Section 121 exclusion
Estimated Tax on Sale
$0
The Gain
Total Gain
$261,000
Section 121 Exclusion
$500,000
Taxable Gain
$0
Depreciation Recapture
$0
Proceeds
Net Sale Amount
$611,000
After-Tax Proceeds
$611,000
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How It Works
Get your results in four simple steps
Enter the scenario
Fill in 7 plain-English inputs across 3 short sections. Sensible defaults get you a result immediately.
Read the verdict
Results update instantly: the headline figure, supporting stats, and clear pass/fail states where qualification applies.
Share or download
Send a live share link or download a branded PDF scenario report to keep the conversation going.
Why This Calculator
Purpose-built features that give you the insights you actually need.
The Sale
What you are selling for
Your Basis
What you have into the home
Section 121 Exclusion
Primary-residence exclusion
How the Home Sale Capital Gains math works
Estimate the tax on your home sale, including the Section 121 exclusion
Industry Standards We Follow
- IRC Section 121 exclusion rules
- Unrecaptured Section 1250 depreciation recapture at 25%
Key Variables in Our Calculation
- adjustedBasisAdjusted cost basis
- amountRealizedNet sale amount
- totalGainTotal gain on the sale
- recaptureAmountGain taxed as depreciation recapture (excluded from Section 121)
- gainAfterRecaptureGain eligible for the exclusion
- exclusionAmountSection 121 exclusion ($250k x1 single, x2 married; 0 if not qualified)
- taxableGainGain subject to capital gains tax after the exclusion
- recaptureTaxTax on depreciation recapture
Expert Insights
Get the most out of your calculations with these professional tips
Start from the defaults
Defaults reflect current market conditions; change only what you know about your scenario.
Stress-test the result
Nudge the most uncertain input both directions to see how sturdy the conclusion is.
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Frequently Asked Questions
Everything you need to know about the Home Sale Capital Gains Calculator
Owners who lived in the home as their primary residence for 2 of the last 5 years: $250,000 of gain excluded filing single, $500,000 married filing jointly.
Depreciation you took (or could have taken) is recaptured at 25% and is NOT covered by the exclusion. The calculator taxes recapture first, then applies the exclusion to the remaining gain.
Who Uses This Calculator
Home Sellers
Find out whether your sale is tax-free before you list.
Agents & Advisors
Answer the "what will I owe" question in every listing conversation.
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