Montana Capital Gains Tax Calculator
Calculate capital gains tax in Montana. State rate: 5.9%. See federal + state combined tax on stocks, property, and investments.
How This Calculator Works
Calculation methodology and assumptions
Capital gains tax is applied to the profit from selling an asset. Federal long-term rates (held 12+ months) are 0%, 15%, or 20% depending on income. Short-term gains are taxed as ordinary income. Montana's state capital gains tax rate is 5.9%. This is added on top of federal taxes. The Net Investment Income Tax (NIIT) of 3.8% may also apply for high earners.
Key State Information
Montana state capital gains rate: 5.9%. Montana's rate is moderate compared to other states. Combined with federal taxes, Montana investors may pay up to 29.7% on long-term gains for top earners.
Frequently Asked Questions
What is the capital gains tax rate in Montana?
Montana's state capital gains tax rate is 5.9%. Federal long-term rates are 0%, 15%, or 20% depending on income, plus a potential 3.8% NIIT. Total combined rate can be up to 29.7%.
Does Montana tax capital gains differently than income?
Montana offers some preferential treatment for capital gains (exclusions or lower rates).
How can I reduce capital gains tax?
Hold assets for at least 12 months for lower long-term rates. Use tax-loss harvesting to offset gains. Consider Qualified Opportunity Zones, 1031 exchanges (real estate), and maximizing retirement account contributions. Some investors relocate to no-income-tax states before selling large positions.