US Capital Gains Tax Rates
Short-term gains (held under 1 year) are taxed as ordinary income at your marginal rate (10-37%). Long-term gains (over 1 year) get preferential rates: 0% if your taxable income is under ~$47,000, 15% for most taxpayers, and 20% for high earners above ~$518,900. This calculator uses 2025 single-filer brackets.
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Frequently Asked Questions
What is the long-term capital gains rate?
For 2025, long-term rates (held >1 year) are 0%, 15%, or 20% depending on income. Most people pay 15%.
How can I reduce capital gains tax?
Hold investments over 1 year for lower rates. Use tax-loss harvesting. Contribute to tax-advantaged accounts (401k, IRA). Consider qualified opportunity zones for large gains.