Look Up Tax Brackets
Get current federal income tax brackets and calculate marginal and effective rates for any income level.
Check Capital Gains Tax Rates
Look up current long-term and short-term capital gains rates by income level and filing status.
Quick answer: Use the Tax Reference tool through ToolRouter to check capital gains tax rates directly from Claude, ChatGPT, Microsoft Copilot, and OpenClaw — connect once, then drive it with plain-language prompts. No code required.
ToolWhether to hold an investment for one more day before selling is sometimes a tax question. Short-term gains are taxed as ordinary income; long-term gains qualify for lower preferential rates. At high income levels the difference can be 20 percentage points. But knowing exactly which rate applies requires knowing the current thresholds — which shift annually.
Tax Reference provides current capital gains rates for every income bracket and filing status. It covers both short-term and long-term rates, the 3.8% net investment income tax threshold, and qualified dividend treatment.
Investors timing sales around year-end, advisors structuring capital events, and anyone selling appreciated assets use this to make rate-informed decisions before executing a transaction.
How to check capital gains tax rates with Claude, ChatGPT, Microsoft Copilot, and OpenClaw
Connect ToolRouter
1Open connector settings Open Settings
2Add a custom connector with these details
Name
ToolRouterURL
https://api.toolrouter.com/mcp3Let Claude set you up Open Claude
Claude looks up the applicable capital gains rate for your situation and helps you think through the tax implications of a sale. It calculates the tax on a specific gain at your income level, compares long-term versus short-term treatment, and identifies whether the net investment income tax applies — giving you everything you need for a tax-informed sell decision.
How to check capital gains tax rates
Once connected (see setup above), use the Tax Reference tool — the same steps work with Claude, ChatGPT, Microsoft Copilot, OpenClaw, and any MCP client:
- Ask Claude: "What is my long-term capital gains rate at $250,000 of income, married filing jointly?"
- Claude returns the applicable rate with threshold context
- Ask: "What is the tax on a $100,000 gain at this rate versus if I sell before the one-year mark?"
- Ask: "Does the net investment income tax apply at this income level?"
Example prompt
Try this with the Tax Reference tool
I am married filing jointly with $280,000 of ordinary income. I have a $75,000 long-term capital gain from a stock sale. What is my capital gains rate, what is the tax owed, and does the NIIT apply? Compare to what I would owe if this were a short-term gain.
Tips
- Ask about the holding period cutoff explicitly — the one-year-and-one-day rule trips people up
- Check whether additional capital gains income pushes you into the next capital gains bracket
- Ask Claude to calculate the tax savings from holding 30 more days to qualify for long-term treatment
Frequently Asked Questions
How do I check capital gains tax rates with an AI assistant?
Look up current long-term and short-term capital gains rates by income level and filing status. Connect the Tax Reference tool to Claude, ChatGPT, Microsoft Copilot, and OpenClaw through ToolRouter, then ask the assistant in plain language. For example: Ask Claude: "What is my long-term capital gains rate at $250,000 of income, married filing jointly?" Claude returns the applicable rate with threshold context
Which AI assistants can check capital gains tax rates?
Claude, ChatGPT, Microsoft Copilot, and OpenClaw can all check capital gains tax rates using the Tax Reference tool through ToolRouter, with no API keys or coding required.
What does the Tax Reference tool do?
Look up current US tax brackets, capital gains rates, retirement contribution limits, and depreciation schedules.
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