New Hampshire Capital Gains Tax Calculator 2026
Calculate your New Hampshire capital gains tax for 2026 instantly. Enter your sale price, cost basis, holding period, and income to see your federal and New Hampshire state capital gains tax, total owed, and net proceeds — calculated privately in your browser.
New Hampshire Capital Gains Tax Rules
New Hampshire is one of the few states that does not levy a state income tax, which means capital gains are not taxed at the state level. Whether you sell stocks, real estate, or other assets in New Hampshire, your state tax bill on those gains is $0. This makes New Hampshire one of the most tax-friendly states for investors.
Even though New Hampshire has no state capital gains tax, you will still owe federal capital gains tax to the IRS. The federal rate depends on your income and how long you held the asset.
Federal vs New Hampshire Capital Gains Tax
Federal capital gains tax rates are set by the IRS and apply in every state, including New Hampshire. For long-term gains (assets held over 12 months), the 2026 federal rates are 0% (income up to $48,350 single / $96,700 MFJ), 15% (up to $533,400 single / $600,050 MFJ), and 20% above those thresholds. Short-term gains are taxed as ordinary income.
Because New Hampshire charges 0% on capital gains, your total tax rate equals the federal rate only. Compared to states like California (13.3%), Oregon (9.9%), or New Jersey (10.75%), New Hampshire residents keep significantly more of their investment profits.
New Hampshire Cap Gains Strategies & Exemptions
Since New Hampshire imposes no state capital gains tax, investors in New Hampshire only need to manage their federal tax exposure. Key strategies include: holding assets for over 12 months to qualify for the lower long-term federal rate (0-20%); harvesting losses to offset gains; and using tax-advantaged accounts (401k, IRA, HSA) to shelter gains entirely.
The federal home-sale exclusion allows New Hampshire homeowners to exclude up to $250,000 (single) or $500,000 (married filing jointly) of gain from the sale of a primary residence, provided they meet the 2-of-5-year ownership and use tests. Since New Hampshire has no state capital gains tax, this federal exclusion is the primary tool for home sellers.
Always work with a qualified tax professional for personalized advice, especially when selling high-value assets, business interests, or investment property.
Capital Gains Tax Calculator New Hampshire: 2025 Interest & Dividends Tax Repeal Impact
New Hampshire's story got even friendlier for investors in 2025. Per the NH Department of Revenue Administration Interest & Dividends FAQ, the Interest & Dividends (I&D) tax — long the only state levy touching investment income at 5% — was fully repealed effective January 1, 2025, phased down from 5% (2022) to 4% (2023) to 3% (2024) to 0% for tax year 2025 and later. Combined with New Hampshire's zero state wage tax and zero state capital gains tax, this makes NH one of two US states with truly zero state-level taxation of investment income (Alaska is the other). A retiree with $80,000 in dividends and $50,000 in realized long-term capital gains now owes zero to New Hampshire — only federal LTCG (0/15/20%) and NIIT (3.8% above thresholds) apply. This has already accelerated retirement migration to NH from MA (5% flat), NY (up to 10.9%), and CA (up to 13.3%). Updated 2026-07-04.
New Hampshire Capital Gains Calculator: Federal-Only Worked Example (2026)
Since New Hampshire imposes no state capital gains or investment income tax, the capital gains tax calculator new hampshire output shows only federal liability. Concrete case: single filer, $95,000 W-2 income, sells stock held 3 years with $60,000 realized gain. All $60,000 is federal long-term capital gain. Because taxable income lands in the $48,350–$533,400 range for single filers, the applicable 2026 federal LTCG rate is 15% per the IRS Topic 409 Capital Gains and Losses — $9,000 federal tax. If modified adjusted gross income exceeds $200,000 single / $250,000 MFJ, add Net Investment Income Tax (NIIT) at 3.8% on the net investment income. In this example, MAGI = $155,000, below the NIIT threshold, so total federal tax on the gain is $9,000 and total New Hampshire state tax is $0 — an effective 15% total rate. Compare against a same-income Boston seller who would owe federal $9,000 + Massachusetts flat 5% × $60,000 = $3,000 additional, or $12,000 total. Updated 2026-07-04.