Montana Capital Gains Calculator

Calculate your federal and Montana capital gains tax liability

2025

Calculate Your
Montana Capital Gains Tax

Montana taxes capital gains at ordinary income rates (4.7% or 5.9%), but offers a tax credit equal to 2% of net capital gains, providing preferential treatment.

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Montana Capital Gains Tax Highlights

Top rate of 5.9%
Taxes as ordinary income
2% tax credit for capital gains
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Enter Your Investment Details

Calculate your capital gains tax for Montana

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📊 Enter your annual taxable income before including this capital gain. This determines your capital gains tax bracket.

📊 Choose your investment holding period

Calculator optimized for Montana tax rates

Tax Calculation Results

Your capital gain is: $0.00
Estimated capital gains tax: $0.00
Federal Tax: $0.00
Montana Tax: $0.00
Net Proceeds After Tax: $0.00
Effective Tax Rate: 0.00%
Disclaimer: Estimate excludes NII taxes, deductions, credits, and losses. Consult a tax advisor.

How Montana Taxes Capital Gains

Montana taxes capital gains at ordinary income rates (4.7% or 5.9%), but offers a tax credit equal to 2% of net capital gains, providing preferential treatment.

2025 Tax Brackets

0% Rate (Single): Up to $48,350
15% Rate (Single): $48,351 - $533,400
20% Rate (Single): Over $533,400

Montana Tax Details

Tax Rate Structure

Montana provides preferential treatment for certain types of capital gains.

Key Requirements

Filing Required: If gain exceeds threshold
State Due Date: April 15

Montana Tax Strategies

  • • Consider timing of asset sales for tax efficiency
  • • Coordinate with federal capital gains strategies
  • • Review loss harvesting opportunities

• Consult with Montana tax professional for complex situations

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Real Estate in Montana

Real estate capital gains in Montana are subject to both federal and state tax considerations:

Montana Real Estate Tax Rate

Real estate capital gains in Montana are taxed with preferential treatment up to 5.90%.

Primary Residence

Federal Rules

Federal Exclusion: $250K/$500K
Holding Period: 2 of 5 years

Montana State Rules

State tax applies to gain above federal exclusion

Must file state return if gain exceeds exclusion

Additional Requirements:
  • • Follows federal IRC Section 121. The state capital gains credit also applies.

Investment Property

Tax Deferral Strategies

1031 Like-Kind Exchanges

Defer federal taxes on investment property exchanges

1031 Conformity: ✓ Yes
Bonus Depreciation: ✓ Allowed

Transfer Costs

Transfer Tax

State Rate: None
Paid By: negotiable

Recording Fees

Deed Recording: $8 per page.
Mortgage Recording: $8 per page.
Additional Fees:
  • • A $1 non-standard document fee may apply.
Special Deductions & Notes:
  • • Standard federal depreciation rules apply.

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Property Tax Exemptions

Homestead

$0K

Maximum exemption

Senior (65+)

$1K

Additional exemption

Montana Real Estate Specifics

• Montana has no real estate transfer tax.

• Property tax relief is primarily delivered through the Elderly Homeowner/Renter Credit, not a homestead exemption.

• The state's capital gains credit effectively reduces the tax rate on gains from the sale of real estate.

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Montana Filing Requirements

Due Dates
Annual Return: April 15
Extension: October 15
Quarterly Est.:
January 15
April 15
June 15
September 15
Required Forms
  • • Form 2
  • • Capital gains schedule
  • • Federal Form 8949 & Schedule D
Payment Options
  • • Online payment portal
  • • Electronic funds transfer
  • • Check or money order

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Compare Montana to Other States

wyoming
idaho
north dakota

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© 2025 CapitalGainsTaxCalculator.us - For informational purposes only. Consult a tax professional for advice.