Capital gains calculator
Work out the fees, tax and net gain on a stock or fund trade market by market: mainland A-shares are exempt from individual income tax on capital gains with dividend tax tiered by holding period, while Stock Connect and US trades use their own reference rates — every fee and rate is an editable table with its effective year.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Trade parameters
All money is handled as integer cents and quantities are whole shares. The rates default to the reference table below and every field is editable.
Fee and tax reference table
Default reference values for effective year 2026. Example parameters only — check the latest rules and your broker’s actual fees; every field is editable.
Result
10,000.0012,000.005.1011.1210,005.1011,988.881,983.780.0010%0.000.001,983.7819.83%10.02What this tool does
- Check the net gain before selling: 1,000 shares bought at 10 and sold at 12 are exempt from capital gains tax on the mainland, but 16.22 of stamp duty, transfer fee and commission still come out, leaving 1,983.78.
- Compare markets: the same trade in US stocks is taxed at 20% in China, cutting the net gain from 1,983.78 to 1,599.74 — the difference is plain to see.
- Work out the tiered dividend tax: an A-share dividend of 100 costs 20 after a 20-day holding period, 10 after 100 days and nothing beyond a year, and the tool applies the tier from the days you enter.
- Find your break-even price: 1,000 shares bought at 10 need to reach 10.02 to cover both sides of the fees, which is the number to use for stop-loss levels.
Example
Input
A-shares, bought at 10.00 and sold at 12.00, 1,000 shares, held 200 days, no dividends; reference fees (0.05% stamp duty on the sell side, 0.001% transfer fee both sides, 0.025% commission both sides, 5 minimum commission)
Output
Purchase 10,000.00 with 5.10 of buy fees; sale 12,000.00 with 11.12 of sell fees; cost 10,005.10 and net proceeds 11,988.88; capital gain 1,983.78; capital gains tax 0.00 (individuals are exempt on listed A-shares); net gain after tax 1,983.78 for a 19.83% net return; break-even sell price 10.02
Commission is the greater of 0.025% of the trade and a 5 minimum: 2.5 on a 10,000 purchase and 3 on a 12,000 sale, so both sides are charged 5.
Frequently asked questions
What do you actually pay when trading A-shares?
Three items for an individual investor: stamp duty on the sell side only, cut to 0.05% of the trade value on 2023-08-28; a transfer fee of 0.001% on both sides on both exchanges; and broker commission charged both ways, usually with a 5 minimum per trade. Capital gains are exempt from individual income tax, so the profit itself is not taxed.
Why do dividend tax rates differ?
Under Caishui [2015] No. 101 the A-share dividend tax depends on how long you held the shares: one month or less counts in full (an effective 20%), one month to one year counts at 50% (an effective 10%), and beyond a year it is exempt. The tool picks the tier from the holding period you enter.
How are Stock Connect and US trades treated?
For mainland individuals, Stock Connect capital gains are exempt from individual income tax (the current policy runs to 2027-12-31) and dividends are withheld at 20%. For US stocks, the US generally does not withhold tax on non-resident capital gains, but the gain is "income from transfer of property" under Chinese law and should be declared at 20%, while dividends are withheld at 10% under the China-US treaty. Both are in the reference table and can be edited.
Can I change the rates in the reference table?
Yes — stamp duty, transfer fee, commission, the minimum commission, the sell-side regulatory fee, the capital gains rate and the dividend rate are all editable, and switching market loads that market’s defaults. There is also a button to restore them. Commissions vary a lot between brokers, so the result is only as good as the rates you enter.
Why is the break-even price slightly above the purchase price?
Because both sides cost money: stamp duty on the sale and transfer fee plus commission on both. The sell price has to clear those costs before you break even, and the gap is the round-trip cost. The smaller the trade, the more the minimum commission dominates and the wider that gap becomes.
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