请教一个long term capital gain 的问题,税率到底是怎么决定的

老夏新生
楼主 (文学峸)

LT capital gain tax rate is 0%, 15% and 20% for single filer with income between 0-48K, 48K-533K, and > 533K, respectively. 

问题: 只有10K 的收入, 但有200K的LTCG, 怎么交税呢?一些网站似乎是说这种情况下200K都是不用交税的, 而谷狗AI说一部分不交税一部分按15%交税。请有经验的说一下到底是怎么样的情况, 多谢。对于普通中产,除了努力赚钱增加收入,尽可能避税也很重要啊。

这是谷歌的回答:

For a single filer in 2025 with $10,000 in ordinary income and a $200,000 long-term capital gain, the long-term capital gains tax rate would be a combination of 0% and 15%.  Here's how it breaks down: Determine total taxable income: Your total taxable income is $10,000 (ordinary income) + $200,000 (long-term capital gain) = $210,000. 0% Rate: For single filers in 2025, the 0% long-term capital gains tax rate applies to taxable income up to $48,350. The first $38,350 of your long-term capital gain ($48,350 - $10,000) falls into this 0% bracket. 15% Rate: The remaining portion of your long-term capital gain ($200,000 - $38,350 = $161,650) falls into the 15% bracket, as your total taxable income ($210,000) is above the $48,350 threshold but below $533,400.

 

Happy 4th July! MAGA! God Bless America !

y
yesterday*once*more
很多年前做过一次。

所有收入加一起,算AGI和income税;然后再选long-term CG。。。所以,一万的earned income,20万的LTCG,应该是15%的税率。但还有3。8%的Medicare tax。。。

p
parentb
纠正一下:您的数据都是对单身,对夫妇来说要乘上2。
老夏新生
那你说的和AI接近。计算税率时LTCG本身也考虑进去,48K以下的0%以上的15%? 还是全部15%?
p
parentb
好像谷歌的回答是正确的。
y
yesterday*once*more
是。我那次应该是07年,我交5%的税率。。。

当时拿着税表填糊涂了,在说明书里一句话没读懂,没找到LTCG那里申报,但读了很多网文知道它是区别对待的。。。。找女儿一起读说明书才搞明白。。。那笔钱是准备女儿学费用的,唯一一次用税后钱taxable account投资。。。

冷雨无声
谷歌答案正确
C
CastlePines
google 就是好啊,俺一直用