How to Check Capital Gains Rates with Claude
Check capital gains rates with Claude and ToolRouter. Long-term and short-term rates for investment tax planning.
Tool
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
Steps
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
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
- 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