Tax Playbook · Investment tax wins
Tax-gain harvesting
In 2026, a single filer with under $49,450 in taxable income pays 0% on long-term capital gains. So if you sell a stock you have held for more than a year in a low-income year, you can owe no federal tax on the gain. You can even buy the same stock back right away to raise your cost basis for the future. For example, a $10,000 gain could owe $0 instead of $1,500.
Good for: Anyone with investments who has a low-income year.
Learn the basics
Recent articles & guides
- Tax-gain harvesting — Schwab
- What is tax-gain harvesting? — Winchell House
- Zero-percent capital gains bracket — Clark
- Capital gains rate bracket arbitrage — Kitces
On this site
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Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.