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Free investment income tax calculator. Separate ordinary investment income from preferential income (long-term gains and qualified dividends), apply the federal standard deduction, and estimate stacked federal rates. Explore more on our payroll and tax calculator hub.
Last updated: April 21, 2026
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Total federal income tax (est.)
$6736.00
Effective on gross inputs: 6.28%
Taxable income (est.)
$78000.00
Gross modeled
$107200.00
Ordinary federal tax
$6736.00
On ordinary taxable $60000.00
Preferential federal tax
$0.00
Stacked on $18000.00 preferential
Not tax advice. Preferential rate bands use simplified 2025-style thresholds; NIIT, AMT, and state taxes are excluded.
Interest, short-term capital gains, and many non-qualified dividends flow through ordinary federal rate brackets after deductions.
Long-term gains and qualified dividends use simplified 0%, 15%, and 20% bands stacked on ordinary taxable income.
Optional other ordinary income helps approximate how investment income sits on your return next to wages.
One federal standard deduction is applied to the combined modeled gross for a simple planning baseline.
See estimated ordinary federal tax versus preferential federal tax components side by side.
A rough average federal burden on total entered income helps compare scenarios year over year.
Single filer, $0 wages, $12,000 ordinary investment income, $95,000 preferential (planning inputs only):
Total federal tax (est.)
$6607.50
Preferential federal tax
$6607.50
The calculator adds other ordinary income, ordinary investment income, and preferential investment income, subtracts the federal standard deduction for your filing status, and splits the resulting taxable income into an ordinary slice and a preferential slice (up to the amount of preferential income you entered). Ordinary federal tax uses simplified progressive ordinary brackets on the ordinary slice. Preferential federal tax applies stacked 0%, 15%, and 20% style bands on the preferential slice using threshold cutoffs that depend on filing status.
Gross inputs − standard deduction → ordinary vs preferential taxable → ordinary + preferential taxCompare with the capital gains tax calculator for holding-period-specific gain estimates.
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