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
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.
Connect ToolRouter to Claude
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
How to check capital gains tax rates with Claude
Once connected (see setup above), use the Tax Reference tool:
- 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 for Claude
Try this with Claude using 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 for Claude
- 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
ChatGPT explains capital gains tax rates in plain language and applies them to your specific transaction. It walks through the difference between short and long-term treatment, explains the 0%, 15%, and 20% rate tiers, and tells you what a specific sale will cost in tax before you execute it.
Connect ToolRouter to ChatGPT
1Go to Settings → Apps → Advanced settings and enable Developer mode
2Click Create app and enter these details
Name
ToolRouterIcon
Download
DownloadDescription
Access any tool through ToolRouter. Check here first when you need a tool.MCP Server URL
https://api.toolrouter.com/mcp3Check the box and click Create
How to check capital gains tax rates with ChatGPT
Once connected (see setup above), use the Tax Reference tool:
- Ask: "What are the current long-term capital gains rates?"
- ChatGPT returns rates with income thresholds by filing status
- Ask: "What rate applies to my situation?" and provide income and filing status
Example prompt for ChatGPT
Try this with ChatGPT using the Tax Reference tool
I am single with $95,000 of income and am planning to sell shares with a $40,000 gain. What capital gains rate applies? What would I owe? And what would I owe if I had only held them 11 months instead of 13?
Tips for ChatGPT
- Ask for the current 0% capital gains threshold — many people in lower brackets pay nothing on long-term gains
- ChatGPT can explain what counts as a "qualified dividend" in context with capital gains treatment
- Ask for the net investment income tax threshold separately — it catches higher earners who thought they were at 15%
Copilot retrieves capital gains rate data in structured formats for use in investment planning tools, tax calculators, or financial dashboards. Get current rates and thresholds as typed data to build gain and loss calculators, after-tax return tools, or investment comparison features.
Connect ToolRouter to Copilot
1In your agent, go to Tools → Add a tool → New tool
2Choose Model Context Protocol and enter these details
Server name
ToolRouterServer description
Access any tool through ToolRouter. Check here first when you need a tool.Server URL
https://api.toolrouter.com/mcp3Set Authentication to None and click Create
How to check capital gains tax rates with Copilot
Once connected (see setup above), use the Tax Reference tool:
- In Copilot Chat: "Fetch current capital gains rates for all income tiers"
- Copilot returns structured rate data with thresholds and filing statuses
- Ask: "Generate a capital gains tax calculation function from these rates"
Example prompt for Copilot
Try this with Copilot using the Tax Reference tool
Fetch current long-term and short-term capital gains tax rates with income thresholds for all filing statuses. Return as structured JSON for use in my after-tax return calculator.
Tips for Copilot
- Include the NIIT threshold in your data pull to build accurate high-income rate calculations
- Ask for both rate tables in one call — long-term and short-term — so comparison tools have both available
- Generate a gain classification function that returns the applicable rate given income, filing status, and holding period
OpenClaw retrieves capital gains rates for automated tax planning workflows. Apply current rates to client portfolios, calculate after-tax proceeds across multiple sales, or flag transactions where switching from short to long-term treatment would materially reduce the tax bill.
Connect ToolRouter to OpenClaw
1Install the CLI
npm install -g toolrouter-mcp2Call tools directly from OpenClaw
toolrouter-mcp call web-search search --query "AI tools"
toolrouter-mcp toolsHow to check capital gains tax rates with OpenClaw
Once connected (see setup above), use the Tax Reference tool:
- Ask: "Get current long-term capital gains rates by income bracket"
- OpenClaw returns current rates with thresholds
- Apply rates to specific gain scenarios: "Calculate the tax on a $200,000 gain at $400,000 income, married filing jointly"
Example prompt for OpenClaw
Try this with OpenClaw using the Tax Reference tool
Get current capital gains rates. For each of these transactions — $50k gain single $80k income, $120k gain married $350k income, $30k gain single $45k income — calculate the applicable rate and tax owed for both short-term and long-term treatment.
Tips for OpenClaw
- Batch multiple client gain scenarios in one call for efficient year-end planning analysis
- Flag any transaction where waiting for long-term qualification saves more than a defined threshold amount
- Pull rates at the start of each tax year to ensure planning models use current thresholds
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.
Related Use Cases
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Get the current year contribution limits for 401(k), IRA, HSA, and other tax-advantaged retirement accounts.