Married Filing Jointly；ordinary income 和 LTCG 分开算 federal tax，California 侧把 LTCG 当 ordinary income 一起计税，tax loss harvest 先冲 capital gain，再最多抵 $3,000 ordinary income。
输入框支持 250k、1.2m、450000 格式。
| 收入 | |
| ordinary income | |
| LTCG | |
| tax loss harvest | |
| net capital gain | |
| 总收入 | |
| 税额 | |
| 联邦 taxable income | |
| 联邦 taxable ordinary | |
| 联邦 taxable LTCG | |
| ordinary deduction from excess losses | |
| unused TLH carryforward | |
| 加州 taxable income | |
| 联邦所得税 | |
| 加州所得税 | |
| 总所得税 | |
| 税后 | |
| 税后年收入 | |
| 税后月收入 | |
| 报税身份 | Married Filing Jointly |
| 州 | California resident |
| LTCG 规则 | Federal 用 0%/15%/20%；CA 把 LTCG 当 ordinary income |
| NIIT | 按 MAGI 近似值与净投资收入计算，MFJ threshold = $250,000；当前只对 net capital gain 输入建模 |
| tax loss harvest | 先抵 capital gain，若仍有净 loss，最多再抵 $3,000 ordinary income |
| 扣除方式 | 只用 standard deduction |
| 不包含 | FICA, AMT, tax credits, 401(k) defer |
| 说明 | 2025 brackets quick estimate，非报税软件结果 |