New Hampshire Capital Gains Tax Calculator 2026

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. The calculator above subtracts the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) from the income you enter, stacks the gain on top of your other income, and taxes each slice at its own rate.

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 (held more than 12 months), the 2026 federal rates set by IRS Rev. Proc. 2025-32 are 0% on taxable income up to $49,450 single / $98,900 married filing jointly / $66,200 head of household, 15% up to $545,500 single / $613,700 joint / $579,600 head of household, and 20% above those thresholds. The gain is stacked on top of your other income, so one sale can be taxed partly at 0%, partly at 15% and partly at 20%. Short-term gains are taxed as ordinary income at the 2026 federal brackets of 10% to 37%. A 3.8% Net Investment Income Tax is added on the lesser of the gain or the amount by which your modified adjusted gross income exceeds $200,000 (single or head of household) or $250,000 (married filing jointly).

Because New Hampshire charges 0% on capital gains, your total tax rate equals the federal rate only. Compared to states with top rates like California (13.3%), Oregon (9.9%), or New Jersey (10.75%), New Hampshire residents keep significantly more of their investment profits.

Worked example (2026): a single filer with $90,000 of other income sells stock held for two years at a $50,000 gain. Federal tax is $7,500 (the whole gain falls in the 15% band) and New Hampshire tax is $0, so the total is $7,500 or 15.0% of the gain. Sold after 11 months instead, the same gain is short-term and costs $11,364, all of it federal. The calculator above reproduces both results.

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 eight states with no individual income tax at all — wages, interest, dividends and capital gains are all untaxed by the state. 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 2026-10-07.

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. After the $16,100 standard deduction, taxable income lands in the $49,450–$545,500 range for single filers, so the applicable 2026 federal LTCG rate is 15% per IRS Rev. Proc. 2025-32 — $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 2026-10-07.

Last updated: October 2026. Federal figures: IRS Rev. Proc. 2025-32 (2026 capital gains thresholds, brackets and standard deduction), IRS Topic 409 and IRS Topic 559 (Net Investment Income Tax). New Hampshire: New Hampshire income tax calculator (no state income tax).