In taxable accounts anything held less than a year is short term and taxed at normal rates. Anything longer than a year is long term and is taxed at a lower rate.
Capital gains tax rate 2025
The following rates and brackets apply to long-term capital gains sold in 2025, which are reported on taxes filed in 2026.
Tax rate | Single | Married filing jointly | Married filing separately | Head of household |
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0% | $0 to $48,350 | $0 to $96,700 | $0 to $48,350 | $0 to $64,750 |
15% | $48,351 to $533,400 | $96,701 to $600,050 | $48,350 to $300,000 | $64,751 to $566,700 |
20% | $533,401 or more | $600,051 or more | $300,001 or more | $566,701 or more |