Calculadora de Ganho de Capital (ações, imóveis, cripto)

This calculator helps you determine the capital gains tax on the sale of stocks, real estate, or cryptocurrencies. It follows the progressive tax rates set by the Brazilian IRS: 15% for gains up to R$ 5 million, 17.5% for R$ 5 to 10 million, 20% for R$ 10 to 30 million, and 22.5% for gains above R$ 30 million. Simply enter the purchase and sale prices, and the tool automatically applies the correct rate.

How it works: the tool subtracts the acquisition cost from the sale price to get the taxable gain. Then it identifies the corresponding tax bracket and calculates the tax due. For stocks, note that losses can offset future gains. For real estate, there is a reduced rate for sales after 5 years (regressive table). For crypto, tax applies only if monthly gains exceed R$ 35 thousand.

When to use: ideal for individual investors selling assets at a profit who need to report capital gains on the Brazilian IRS GCAP system. Useful for tax planning before a sale, simulating the tax impact. Practical cases include selling stocks on the exchange, selling a rental property, or realizing crypto profits like Bitcoin or Ethereum.

Cautions: the calculator does not consider brokerage fees, exchange fees, or custody costs, which reduce taxable gain. For real estate, the rate may be reduced if the proceeds are used to buy another residential property within 180 days (Law 11.196/2005). Consult an accountant for complex cases like day-trading or foreign sales.