0%: Singles ≤48,350∣Couples ≤48,350∣ Couples≤96,700
15%: Singles 48,351–48,351–533,400 | Couples 96,701–96,701–600,050
20%: Singles >533,400∣Couples>533,400 ∣Couples>600,050
· Bought: $5,000 (2023) · Sold: $12,000 (2025) Gain: 7,000→Taxaxable Income 157,000
· Purchase: $400,000 · Renovations: $50,000 · Sold: $600,000 Taxable Gain: 120,000→Tax(20120,000→Tax(2024,000
Hold assets >1 year for lower rates Tax-loss harvesting to offset gains Use Roth IRAs/401(k)s for tax-free growth
· Gift stocks to low-income family (0% tax!) Donate to charity: Avoid gains + deduct FMV
· CA: 13.3% · NY: 10.9% (+ NYC tax) TX/FL: 0%
· Track cost basis (keep receipts!). · Time sales for lower-income years. · Harvest losses annually. Consult a CPA for big deals.
Wait until January 2026 to sell if you expect lower income next year
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