Pennsylvania Capital Gains Tax Calculator
Pennsylvania taxes capital gains at its flat 3.07% income tax rate. Estimate federal + state tax.
Pennsylvania taxes "net gains or income from the dispositions of property" at its flat 3.07% personal income tax rate. Gains are their own class of income, so a loss elsewhere cannot reduce them and nothing carries over to another year.
| Rule | Pennsylvania |
|---|---|
| Rate | Flat 3.07% (the rate for all eight classes of income). |
| Class | Class 5 of 8: net gains or income from the dispositions of property. |
| Short- vs long-term | No distinction. |
| Losses | A loss in one class may not offset income in another class, and gains or losses may not be carried backward or forward. |
Sources: Pennsylvania Department of Revenue, "Personal Income Tax", read 2026-10-10.
Estimate only, not an official determination. What this estimate covers and its limits
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Additional Details
Pre-filled: Editable top/representative-rate proxy; not a state return calculation
Additional Details
Estimated Federal + State Tax
Estimated • Based on your inputs
Estimated Net Sale Proceeds
$90,965.00
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How This Calculator Works
Calculation methodology and assumptions
The Pennsylvania line is the modeled gain times the 3.07% in the Modeled State Rate field, added to the federal estimate.
Estimate only — these are not official figures
State tax is not a return calculation: Pennsylvania taxes net gains from dispositions as a separate income class at 3.07%, without a general short-/long-term rate distinction. Its basis, principal-residence exclusion, and no-cross-class/no-carryover loss rules are not calculated here.
Do not rely on these amounts for budgeting or payment. For exact amounts, check the Pennsylvania tax authority (https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/personal-income-tax).
Key State Information
The class system is what sets Pennsylvania apart. A stock loss can offset a stock gain in the same year, but not wages or interest, and an unused loss does not roll into next year as it does federally. The 3.07% rate applies from the first dollar; there is no bracket to manage.
Example Calculation
A single Pittsburgh nurse with $58,000 of other taxable income sells cryptocurrency four months after buying it for $18,000, receiving $52,000.
Entered as $18,000 basis, $52,000 proceeds, single, $58,000 of other income: the calculator finds a $34,000 short-term (4 months) gain, $7,480 of regular federal tax, and $1,044 of Pennsylvania tax at the 3.07% default.
Result: $8,524 in total (25.07% of the gain), leaving $43,476. The $1,044 is exactly 3.07% of the $34,000 gain. Had the coins been sold at a loss, Pennsylvania would not let it reduce her wages, and it would not carry into next year.
StateCalc Team
Editorial Team
The StateCalc team builds free financial calculators using data from official government sources including the IRS, U.S. Census Bureau, BLS, and state revenue departments. All formulas are validated by an automated test suite and cross-referenced against published data.
Our editorial standardsFrequently Asked Questions
What is the Pennsylvania capital gains tax rate?
3.07%, the flat personal income tax rate the Department of Revenue applies to every class of taxable income, including net gains from the disposition of property.
Can a Pennsylvania capital loss offset my wages?
No. A loss in one class of income may not offset income in another class, so a net loss on property dispositions cannot reduce compensation.
Can I carry a Pennsylvania capital loss forward?
No. Pennsylvania does not allow gains or losses to be carried backward or forward from year to year.
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