Do I qualify for the home sale exclusion in 2026 or 2027 planning?
Use this home sale exclusion calculator to estimate whether gain from selling a primary residence may be partly or fully excluded. It screens ownership and use tests, prior exclusion timing, sale proceeds, basis, and selling costs.
home sale exclusion calculator
Quick answer
Many homeowners can exclude up to a limit of gain from selling a primary residence if they meet ownership and use tests. This calculator estimates gain, exclusion eligibility, and taxable amount.
Also answers
- capital gains on home sale calculator
- primary residence exclusion
- Section 121 exclusion calculator
- home sale tax calculator
Good fit when
- Estimating tax before selling a home
- Checking ownership and use tests
- Planning basis and improvement records
Have ready
- Sale price, selling costs, and adjusted basis
- Ownership and residence periods
- Prior home sale exclusion history
Result you get
Estimated gain, excluded gain, and taxable home-sale gain.
How this calculation works
- Calculates adjusted basis from purchase price and improvements.
- Estimates total gain after selling costs.
- Checks the 2-out-of-5-year residence test for eligibility.
- Applies the exclusion and estimates taxable gain.
Common mistakes and caveats
- Partial exclusions and special circumstances are not modeled.
- State capital gains rules can differ from federal rules.
- Confirm eligibility with IRS guidance for your situation.
FAQ
Does this include partial exclusions?
No. It assumes the full residency test; partial exclusions require special IRS rules.
TaxGuide Pro provides free state and federal tax calculators for individuals, freelancers, and small businesses.