There is a 0% federal rate on long-term gains when your income is low enough. In the right year, you can sell investments you have held over a year and owe nothing.
See how it works through one simple example.
Long-term gains have their own rates: 0%, 15%, or 20%, based on your income.
If your income sits under the 0% threshold, gains in that space are tax-free.
You can even sell and rebuy to reset your cost higher, called tax-gain harvesting.
Educational guidance, not tax advice. We confirm every figure and your eligibility before you act.
Connect your account and we show how much gain you can realize tax-free this year.
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The honest version.
Anyone whose taxable income lands under the 0% long-term gains threshold.
Only the gains above the line are taxed, usually at 15%.
No. Here you harvest gains tax-free, rather than losses.
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