capital gains The 0% Capital Gains Bracket: How to Harvest Gains Tax-Free Under $94,050 in taxable income for a couple in 2026: your capital gains rate is 0%. Early retirees harvest gains tax-free every year for a decade.
capital gains Long-Term vs. Short-Term Capital Gains: The 12-Month Rule That Saves Thousands Sell at 364 days: taxed at 37%. Sell at 366 days: taxed at 20%. That's $17,000 on a $100,000 gain — for two days of patience.
tax-loss harvesting Tax-Loss Harvesting: The Free $3,000 Deduction You're Not Taking The IRS lets you deduct $3,000 in net capital losses against ordinary income every year. Most investors never claim it. Here's the simple mechanics.
