Disclaimer - TaxGainsCalc Legal Disclaimer

1. Overview

This Disclaimer explains what TaxGainsCalc is, what it is not, and the limits you should keep in mind when using our calculators and guides. We publish free educational tools about United States capital gains tax, and we work hard to make every figure accurate and sourced. But an educational estimate and professional advice are different things, and pretending otherwise would serve nobody.

Reading this page alongside our Terms of Service and Privacy Policy gives you the full picture of how the site works and where its responsibilities end. The rules below are written in plain English on purpose — if any part is unclear, email us and we will clarify it.

2. Not an Official Determination

Nothing on TaxGainsCalc is an official IRS determination, a state revenue ruling, or any kind of government decision. We are an independent educational website with no affiliation to the Internal Revenue Service, the Treasury Department, or any state tax agency. The official source for federal tax information is irs.gov, and only the IRS and your state agency can determine what you actually owe.

When our calculators produce a result, that result is an estimate computed in your browser from the numbers you entered and the published rules we coded. It is a planning tool — a way to see how the rules apply to a set of numbers — not a filing document, a tax opinion, or a promise of any outcome on your return.

3. No Professional Tax Advice

We are not CPAs, enrolled agents, attorneys, or licensed tax return preparers. The founder of this site is an experienced researcher and publisher, not a licensed practitioner, and no content on this site should be treated as personalized tax, legal, or financial advice. Engagement with the site — reading, calculating, or emailing us — does not create a client, advisory, or fiduciary relationship of any kind.

Tax outcomes depend on facts no calculator can capture: your full income picture, elections, prior transactions, state residency, and timing choices among them. A qualified professional who can review your complete situation is the right person to advise you, especially before a large sale, a like-kind exchange, or any decision with five- or six-figure consequences. Use our tools to walk into that conversation informed, not to replace it.

4. Accuracy & Currency of Information

Every dollar figure on this site is checked against a primary government source before publication — for tax year 2026, that means Revenue Procedure 2025-32 for inflation adjustments, along with the IRS publications cited on each page. We update content when the rules change, including mid-year changes like the 2025 broker reporting transition on Form 1099-DA.

Despite that discipline, errors happen and rules change faster than pages. Tax law is amended by Congress, reinterpreted by regulations, and adjusted by the IRS on a schedule we do not control. Figures may be outdated by the time you read them, and a guide written for 2026 will not know what 2027 looks like. Always verify a number that matters against the current official source before relying on it, and check each page's "last reviewed" date.

5. External Links & Third-Party Content

Our guides link to official resources — IRS publications, Treasury regulations, state revenue departments — because primary sources are the standard we hold ourselves to. We also link to a small number of other references when they genuinely help. We do not control those destinations and are not responsible for their content, availability, or privacy practices.

A link is a convenience, not an endorsement of everything the destination says. If a government source updates a document after we linked it, the link will show the current version — which may differ from what we quoted. If you find a broken or misleading link, report it to taxgainscalc@gmail.com and we will fix it.

6. Advertisements

TaxGainsCalc is funded by display advertising, including ads served through Google AdSense. Ads appear in designated slots — header, sidebar, and between content sections — that are visually distinct from articles and calculator interfaces. An ad's presence on this site is not an endorsement of the advertised product, service, or claim.

We do not control which specific ads appear, and advertising networks use cookies to target and measure ads as described in our Privacy Policy. If an advertisement makes a financial promise that sounds too good to be true, apply the same skepticism you would anywhere else — and if an ad conflicts with something our guides say, trust the guides and the IRS sources behind them.

7. No Affiliate or Sponsorship Relationships

We do not participate in affiliate programs that pay commissions for referrals, and we do not publish sponsored articles, paid reviews, or advertorials. No company can pay us to appear in a guide, rank higher in a comparison, or say something favorable. The calculators and articles exist to answer questions, not to funnel readers toward a product.

If this ever changes, the change will be disclosed prominently on this page and in the affected content. Until then, the only revenue this site earns is display advertising, which keeps every tool and every guide free for everyone.

8. Estimates Are Not Filing Numbers

The single most important limitation on this site: calculator results are estimates, not numbers to file. Real returns account for things our tools model only generically — carryover losses, state-specific exclusions, wash sales across accounts, qualified dividends mixed with wages, and dozens of other factors. Two people with identical capital gains can owe very different taxes.

Use the results to understand how the rules work and to spot planning questions worth asking. Before you file anything, reconcile the numbers with your official documents — Forms 1099-B, 1099-DA, and 1099-S, your closing statements, and your prior-year return — or have a professional do it with you.

9. Your Responsibility to Verify

By using this site you accept that verifying information before acting on it is your responsibility. We give you the tools to do that quickly: every figure is cited, every citation points to a government document, and our Sources page lists the complete reference library behind the site. If a page's claim cannot be confirmed at its cited source, treat the source as correct and tell us about the gap.

This matters especially for deadlines and elections — holding periods, 1031 identification windows, estimated tax dates — where the cost of acting on stale information is highest. When a deadline matters, confirm it on irs.gov or with your state agency directly.

10. Reporting Errors

If you find an error, we want the email today. Send the page URL and, if possible, the official source showing the correct figure to taxgainscalc@gmail.com. We verify every report against primary documents, correct confirmed errors promptly, and update the page's review date so the fix is visible.

Corrections that change a page's conclusion get a brief note in the article itself. We do not silently edit mistakes — the readers who trust this site deserve to see that it polices itself, and the fastest way to earn that trust is to show the corrections.

11. Contact

Questions about this disclaimer, the limits described in it, or anything else on the site can go to taxgainscalc@gmail.com or through our Contact page. Every email is answered personally, usually within one to two business days — and yes, that includes disagreements. If you think we got something wrong, our correction process is exactly for you.