Compound Interest Calculator — United States

Project your wealth after federal and state capital gains tax. Free compound interest calculator with state-by-state rates.

Tax Considerations for US Investors

Long-term Capital Gains

0%, 15%, or 20% depending on income bracket. High earners may owe additional 3.8% NIIT (max 23.8%). Calculator uses 15%.

Short-term Gains

Taxed as ordinary income if held less than 1 year. Consider holding investments long-term for better tax treatment.

State Taxes

Ranges from 0% (9 states + Missouri since 2025) to 14.8% (NYC). California is highest at 13.3%. Select your state above for accurate calculation.

Disclaimer: This is a simplified calculation. Actual taxes depend on your personal situation, annual exemptions, and when gains are realized. Consult a tax advisor for accurate advice.

State-Specific Calculators

Select your state for a more accurate calculation including state capital gains tax:

• Alaska (0%)
• Alabama (5%)
• Arkansas (2.2%)
• Arizona (1.88%)
• California (13.3%)
• Colorado (4.4%)
• Connecticut (6.99%)
• Delaware (6.6%)
• Florida (0%)
• Georgia (5.19%)
• Hawaii (7.25%)
• Idaho (5.8%)
• Illinois (4.95%)
• Indiana (3%)
• Iowa (3.8%)
• Kansas (5.7%)
• Kentucky (4%)
• Louisiana (3%)
• Maine (7.15%)
• Maryland (6.5%)
• Massachusetts (9%)
• Michigan (4.25%)
• Minnesota (10.85%)
• Mississippi (5%)
• Missouri (0%)
• Montana (4.1%)
• Nebraska (4.55%)
• Nevada (0%)
• New Hampshire (0%)
• New Jersey (10.75%)
• New Mexico (3.5%)
• New York (14.78%)
• North Carolina (3.99%)
• North Dakota (1.5%)
• Ohio (2.75%)
• Oklahoma (0%)
• Oregon (9.9%)
• Pennsylvania (3.07%)
• Rhode Island (5.99%)
• South Carolina (3.5%)
• South Dakota (0%)
• Tennessee (0%)
• Texas (0%)
• Utah (4.55%)
• Vermont (8.75%)
• Virginia (5.75%)
• Washington (7%)
• West Virginia (5.12%)
• Wisconsin (5.4%)
• Wyoming (0%)

Frequently Asked Questions

What return rate should I use?

Historical global stock market returns average 7-10% per year. Use 7% for a conservative estimate that accounts for inflation.

Does this calculator account for inflation?

No, results are shown in nominal terms. Subtract 2-3% from your return rate for a rough inflation-adjusted estimate.

How accurate is this calculation?

This is a simplified estimate. Actual taxes depend on your personal situation, holding period, and local regulations. Consult a tax advisor for precise numbers.

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