October 2026

Understanding Long-Term Capital Gains Rates

Understanding Long-Term Capital Gains Rates

In 2026, a married couple filing jointly has $80,000 in taxable ordinary income (after deductions) and $30,000 in qualified dividends and long-term capital gains, for a total of $110,000. The 0% capital gains rate cutoff is $98,900. $18,900 ($98,900-$80,000) of the gain is taxed at 0%. The remaining $11,100 of gains is taxed at 15%.


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