Texas Investment Calculator

Calculate your after-tax investment returns in Texas including 0% state and 15% federal capital gains tax.

Tax considerations for Texas investors

Federal Capital Gains

0%, 15%, or 20% depending on your income bracket. This calculator uses the 15% middle bracket rate.

Texas State Tax

No state income tax — No state income tax.

Combined Rate

15% federal only.

Living in Texas means you keep more of your investment gains compared to high-tax states like California (13.3%) or New York (10.9%).

Frequently Asked Questions

What is the capital gains tax rate in Texas?

Texas has no state income tax, so there is no state capital gains tax. You only pay federal capital gains tax (0%, 15%, or 20% based on income).

How is this calculator different from the federal calculator?

This calculator automatically adds Texas's 0% state capital gains tax on top of the 15% federal rate, giving you a more accurate after-tax projection.

What return rate should I expect?

Historical S&P 500 returns average 10% annually (7% after inflation). Use 7% for conservative estimates.

When do I pay capital gains tax?

You only pay when you sell. Long-term rates (shown here) apply to investments held over 1 year. Short-term gains are taxed as ordinary income.

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