2025 long-term brackets
0% up to $48,350 single / $96,700 MFJ. 15% up to $533,400 single / $600,050 MFJ. 20% above that.
Special rates
Collectibles (art, coins, antiques): maximum 28%. Unrecaptured Section 1250 gain (real estate depreciation): maximum 25%. Net Investment Income Tax adds 3.8% above $200K single / $250K MFJ.
Common questions
- Can I hit the 0% bracket?
- Yes. Retirees with low taxable income often have space to realize meaningful long-term gains at 0% federal. We plan around it.
Related
Personal Income Tax Preparation
Federal and state 1040 preparation with year-round planning. We handle W-2, 1099, K-1, rental, and crypto income for individuals in Florida and all 50 states.
Tax Planning
Year-round tax planning for individuals and business owners. We project the year's income quarterly and model decisions before they become tax liabilities.
Taxes After Selling a Home
Section 121 excludes up to $250K single / $500K MFJ of gain on your primary home. The 2-of-5-year ownership and use tests, partial exclusions, and recapture.
Cryptocurrency Tax Reporting
Every crypto trade, spend, or earn is a taxable event reported on Form 8949. Staking and mining income, no wash-sale rule, and broker 1099-DA reporting.