Capital Gains Tax Calculator｜资本利得税估算器

资本利得税估算器 | Capital Gains Tax Calculator

资本利得税估算器 Capital Gains Tax Calculator

根据买入成本、卖出金额、交易费用与税率，粗略估算投资盈利后的税费与税后收益。
Estimate capital gains tax and after-tax profit based on cost basis, sale proceeds, fees, and a tax rate (rough estimate).

1. 输入参数 · Inputs
这不会自动换汇，只影响结果显示的币种与分隔符格式。
No FX conversion. This only affects display currency and number formatting.
成本基础（Cost basis）通常包括：买入金额 + 可计入成本的费用（如部分手续费）。
Cost basis is usually: purchase amount + eligible costs that can be added to basis (depends on local rules).
通常是你卖出后实际收到的“成交金额”，未扣除税费前。部分市场会先扣费用，请按你的对账单口径填写。
Usually the gross amount from selling. If your broker statement nets fees first, enter values consistently.
这里按“减少卖出收入”的方式处理：应税利润 = 卖出金额 − 买入成本 − 费用。
We treat fees as reducing proceeds: taxable gain = proceeds − cost basis − fees.
本工具不做分档/累进/抵扣等复杂规则，仅按“应税利润 × 税率”估算。
This tool does not model brackets, exemptions, holding period rules, surtaxes, or credits—just: taxable gain × rate.
多数税制允许资本损失抵扣或结转，但规则差异很大。本工具仅做演示：亏损不产生资本利得税。
Many regimes allow capital loss offset/carryover, but rules vary a lot. Here we simply set tax to 0 when gain ≤ 0.
3. 使用说明 · Notes
  • 本工具用途 · Purpose:
    用于快速做“粗估”——当你看到一笔交易盈利时，想立刻知道：大概需要预留多少税？税后还能剩多少？
    A quick, rough estimator—useful when you see a profit and want to approximate how much tax to set aside and what remains after tax.
  • 核心公式 · Core formula:
    税前利润 = 卖出金额 − 买入成本 − 交易费用。
    预计税费 = max(税前利润, 0) × 税率。
    税后收益 = 税前利润 − 预计税费。
    Gain (pre-tax) = proceeds − cost basis − fees. Tax = max(gain, 0) × rate. After-tax profit = gain − tax.
  • 关于“税率” · About the tax rate:
    许多地区的资本利得税并不是单一税率，可能涉及：分档税率、持有期限（短期/长期）、附加税、社保/医保附加、免税额、抵扣、亏损结转等。
    In many jurisdictions, capital gains tax is not a single flat rate. It may depend on brackets, holding period (short vs long), surtaxes, deductions/credits, exemptions, loss carryovers, and more. 提示 · Tip
  • 交易费用口径 · Fee consistency:
    不同券商/交易所对“成交金额、手续费、税费”的展示口径不同。你可以用两种一致口径之一填写：
    (A) 卖出金额填“成交总额”，费用填“卖出相关费用”；或 (B) 卖出金额填“扣费后回款”，费用填 0。不要混用。
    Brokers/exchanges show numbers differently. Either (A) use gross proceeds and enter fees separately, or (B) use net proceeds and set fees to 0—don’t mix.
  • 亏损情况 · Loss case:
    当税前利润 ≤ 0 时，本工具默认税费按 0 估算，并可选择是否显示“负的税后收益”。现实里亏损可能可以抵扣/结转，但规则复杂，建议以当地税法/会计师为准。
    If gain ≤ 0, tax is set to 0 here. Real tax treatment of capital losses varies; consult local rules or a professional.
  • 常见“漏项”提醒 · Common missing items:
    • 交易币种换汇与汇兑损益 · FX conversion & currency gains/losses
    • 资本利得以外的税（股息税、交易税、印花税等）· Taxes beyond capital gains (dividend tax, transaction tax, stamp duty)
    • 期权/期货/加密资产的特殊规则 · Special rules for options, futures, crypto
    • 洗售规则、成本计价方法（FIFO/LIFO/平均成本）· Wash sale rules, cost basis methods (FIFO/LIFO/average)
    • 多笔买入分批卖出的成本拆分 · Cost allocation across lots
  • 重要声明 · Disclaimer:
    本工具仅用于学习与估算，不能替代税务建议或申报依据；任何投资与税务决策请结合你所在地法律法规与专业人士意见。
    This tool is for education and rough estimation only. It is not tax advice and should not be used as a filing basis. For decisions, follow local law and consult a professional.

小建议 · Practical tip：如果你是做资金管理/仓位管理，很多人会把“预计税费”当作一笔暂不动用的预留资金（tax reserve）， 与本金分开看，避免赚了钱却在缴税时现金流吃紧。
If you manage capital/positions, many people treat the estimated tax as a separate “tax reserve” so they don’t run into cash flow issues when taxes are due.